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Home Eastern District Kar Fu Building

12/F A

in Kar Fu Building

Eastern District · Hong Kong Island

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2/F C 196 ft² 3/F A 222 ft² 3/F C 196 ft² 4/F A 222 ft² 4/F B 222 ft² 4/F C 196 ft² 4/F D 196 ft² 5/F B 222 ft² 5/F C 196 ft² 5/F D 196 ft² 6/F A 222 ft² 6/F D 196 ft² 7/F A 222 ft² 7/F B 222 ft² 7/F C 196 ft² 7/F D 196 ft² 8/F A 222 ft² 8/F C 196 ft² 8/F D 196 ft² 9/F B 222 ft² 9/F C 196 ft² 10/F B 222 ft² 10/F D 196 ft² 11/F A 222 ft² 11/F C 196 ft² 12/F A 222 ft² 12/F C 196 ft² 12/F D 196 ft² 13/F A 222 ft² 13/F D 196 ft² 14/F A 222 ft² 14/F B 222 ft² 14/F C 196 ft² 14/F D 197 ft² 15/F A 222 ft² 15/F D 196 ft² 16/F A 222 ft² 16/F B 222 ft² 16/F D 196 ft² 17/F B 222 ft² 17/F D 196 ft² 18/F A 222 ft² 18/F B 222 ft² 18/F C 196 ft² 18/F D 197 ft² 19/F B 222 ft² 19/F C 196 ft² 19/F D 196 ft² 20/F B 222 ft² 20/F C 196 ft² 20/F D 196 ft² 21/F A 222 ft² 21/F B 222 ft² 21/F D 196 ft² 22/F A 222 ft² 22/F B 222 ft² 22/F C 196 ft² 22/F D 196 ft² 23/F A 222 ft² 23/F B 222 ft² 23/F C 196 ft² 23/F D 196 ft²
Crescira AVM · estimated value ● Medium confidence
HK$3.31M
≈ HK$14,896 / ft² saleable · updated 2026-06-01
Not an offer or formal valuation
Fully appraised HIBOR 1M · 3.9% Prime · 6.125%

At today's rate and a 90% mortgage, the deposit on this unit is about HK$331K, with repayments around HK$14,425/mo for the first 5 years.

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Mortgage plan · rate basis
H-plan · HIBOR + 1.30%
5.2% → capped 4.125%
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
Term
▼ 0.50% · 3.625%
HK$13,574
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,996
−HK$429/mo
Today · 4.125%
HK$14,425
baseline
▲ 0.50% · 4.625%
HK$15,302
+HK$877/mo

Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,850/mo (50% DSR)

Upfront cash ≈ HK$331K (deposit + AVD stamp duty HK$100 · 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).

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Mass Transit Railway North Point Station
≈ 3 min walk · 232 m
Education
39
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
35
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to Mass Transit Railway North Point Station Station.

Family-friendly — 39 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 — 35 parks, libraries and sports venues nearby.

Location

Unit Information

Floor
12/F
Flat
A
Saleable Area
222 Saleable ft²
Gross Area
339 ft²
Efficiency
65%
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2019-05-10 HK$3.80M +59.7%
6.9y · 9.0%/yr
2012-05-23 HK$2.38M +250.0%
2003-07-19 HK$680K −57.0%
1996-12-28 HK$1.58M —

Other appraised units in this building

2/F C
196 ft²
HK$2.95M
3/F A
222 ft²
HK$3.18M
3/F C
196 ft²
HK$2.79M
4/F A
222 ft²
HK$3.20M
4/F B
222 ft²
HK$3.19M
4/F C
196 ft²
HK$2.82M
Data sourced from Renavon.com