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3/F B

in Villa Cecil Phase 2 Tower 1

Southern District · Hong Kong Island

Crescira AVM · estimated value Medium confidence
HK$52.73M
≈ HK$19,154 / 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 70% mortgage, the deposit on this unit is about HK$15.82M, with repayments around HK$178,897/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 70%
Term
▼ 0.50% · 3.625%
HK$168,341
−HK$10,556/mo
▼ 0.25% · 3.875%
HK$173,577
−HK$5,320/mo
Today · 4.125%
HK$178,897
baseline
▲ 0.50% · 4.625%
HK$189,783
+HK$10,886/mo

Deposit HK$15.82M · loan HK$36.91M · min. income ≈ HK$357,794/mo (50% DSR)

Upfront cash ≈ HK$18.06M (deposit + AVD stamp duty HK$2,241,129 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
3/F
Flat
B
Saleable Area
2,753 ft²
Gross Area
3,691 ft²
Efficiency
75%
District
Southern District · Hong Kong Island
School net (POA)
18

Transaction History

Date Price Gain / loss
2025-12-10 HK$40.00M −33.8%
14.9y
2011-02-01 HK$60.44M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Kennedy Town
≈ 17 min walk · 1,317 m
(quite far — consider other transport options)
Education
5
schools within 1 km (1 within 500 m)
Daily convenience
1
within 1 km (0 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
13
parks, libraries, sports within 1 km

Family-friendly — 5 schools within a 1 km walk.

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

Green space & leisure — 13 parks, libraries and sports venues nearby.

Location

Data sourced from Renavon.com