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4/F E室(85號)

in Hong Lok Building

Eastern District · Hong Kong Island

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Floor
3/F A室(77號) 543 ft² 3/F C室(81號) 558 ft² 3/F D室(83號) 543 ft² 3/F E室(85號) 543 ft² 3/F F室(87號) 558 ft² 3/F G室(77A號) 477 ft² 3/F H室(81A號) 477 ft² 3/F I室(85A號) 477 ft² 4/F A室(77號) 543 ft² 4/F B室(79號) 558 ft² 4/F C室(81號) 558 ft² 4/F D室(83號) 543 ft² 4/F E室(85號) 543 ft² 4/F G室(77A號) 477 ft² 4/F H室(81A號) 477 ft² 4/F I室(85A號) 477 ft² 5/F A室(77號) 543 ft² 5/F B室(79號) 558 ft² 5/F C室(81號) 558 ft² 5/F D室(83號) 543 ft² 5/F E室(85號) 543 ft² 5/F F室(87號) 558 ft² 5/F G室(77A號) 477 ft² 5/F H室(81A號) 477 ft² 5/F I室(85A號) 477 ft² 6/F B (NO. 79) 464 ft² 6/F A室(77號) 543 ft² 6/F B室(79號) 558 ft² 6/F C室(81號) 558 ft² 6/F D室(83號) 543 ft² 6/F E室(85號) 543 ft² 6/F F室(87號) 558 ft² 6/F G室(77A號) 477 ft² 6/F H室(81A號) 477 ft² 6/F I室(85A號) 477 ft² 7/F A室(77號) 543 ft² 7/F C室(81號) 558 ft² 7/F D室(83號) 543 ft² 7/F E室(85號) 543 ft² 7/F F室(87號) 558 ft² 7/F G室(77A號) 477 ft² 7/F H室(81A號) 477 ft² 7/F I室(85A號) 477 ft² 8/F A室(77號) 543 ft² 8/F B室(79號) 558 ft² 8/F C室(81號) 558 ft² 8/F D室(83號) 543 ft² 8/F E室(85號) 543 ft² 8/F G室(77A號) 477 ft² 8/F H室(81A號) 477 ft² 8/F I室(85A號) 477 ft² 9/F A室(77號) 543 ft² 9/F B室(79號) 558 ft² 9/F C室(81號) 558 ft² 9/F D室(83號) 543 ft² 9/F E室(85號) 543 ft² 9/F F室(87號) 558 ft² 9/F G室(77A號) 477 ft² 9/F H室(81A號) 477 ft² 9/F I室(85A號) 477 ft² 10/F B (NO. 79) 392 ft² 10/F A室(77號) 382 ft² 10/F B室(79號) 392 ft² 10/F C室(81號) 398 ft² 10/F D室(83號) 382 ft² 10/F F室(87號) 398 ft² 10/F H室(81A號) 477 ft² 10/F I室(85A號) 477 ft² 11/F C室(81號) 398 ft² 11/F D室(83號) 382 ft² 11/F F室(87號) 398 ft² 11/F G室(77A號) 477 ft² 11/F H室(81A號) 477 ft² 11/F I室(85A號) 477 ft²
Crescira AVM · estimated value Medium confidence
HK$5.19M
≈ HK$9,553 / ft² saleable · updated 2026-08-01
Not an offer or formal valuation

Mortgage Intelligence

Fully appraised HIBOR 1M · 3.9% Prime · 6.125%

Typical HK bank rates as of July 2026 — this site has no live rate feed; check current HIBOR and Prime with your bank.

At today's rate and a 90% mortgage, the deposit on this unit is about HK$519K, with repayments around HK$22,627/mo for the first 5 years.

Mortgage plan · rate basis
H-plan · HIBOR + 1.30%
5.2% → capped 4.125%
Prime Rate (P-plan) · P − 2.00%
4.125%

The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.

If rates change · monthly repayment
LTV 90%
Term
▼ 0.50% · 3.625%
HK$21,292
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$21,954
−HK$673/mo
Today · 4.125%
HK$22,627
baseline
▲ 0.50% · 4.625%
HK$24,003
+HK$1,376/mo

Deposit HK$519K · loan HK$4.67M · min. income ≈ HK$45,254/mo (50% DSR)

Upfront cash ≈ HK$635K (deposit + AVD stamp duty HK$116,717 · Scale 2, in force from 26 Feb 2026)

Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).

Unit Information

Floor
4/F
Flat
E室(85號)
Saleable Area
543 ft²
Gross Area
607 ft²
Efficiency
89%
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2018-03-15 HK$8.58M +333.3%
8.9y
2009-04-21 HK$1.98M +5.3%
2007-06-15 HK$1.88M +129.3%
2002-12-07 HK$820K

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
North Point
≈ 3 min walk · 213 m
Education
40
schools within 1 km (14 within 500 m)
Daily convenience
40
within 1 km (21 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
37
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to North Point Station (a rail station within an 8-min walk earns this label).

Family-friendly — 40 schools within a 1 km walk.

Everyday convenience — 40 shopping and daily-needs spots nearby.

Healthcare close by — 3 hospitals/clinics within 1 km.

Green space & leisure — 37 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com