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At today's rate and a 90% mortgage, the deposit on this unit is about HK$560K, with repayments around HK$24,436/mo for the first 5 years.
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%.
Deposit HK$560K · loan HK$5.04M · min. income ≈ HK$48,872/mo (50% DSR)
Upfront cash ≈ HK$686K (deposit + AVD stamp duty HK$126,050 · 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).
of income on repayments ·
QoL Matrix
Excellent connectivity — about 7 min walk to Mass Transit Railway Sheung Wan Station Station.
Family-friendly — 37 schools within a 1 km walk.
Everyday convenience — 56 shopping and daily-needs spots nearby.
Healthcare close by — 19 hospitals/clinics within 1 km.
Green space & leisure — 63 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 23/F
- Flat
- A
- Saleable Area
- 320 Saleable ft²
- Gross Area
- 500 ft²
- Efficiency
- 64%
- District
- Central and Western District · Hong Kong Island
- School net (POA)
- 11
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2020-11-25 | HK$7.20M | +30.9% 3.7y · 8.0%/yr |
| 2017-03-21 | HK$5.50M | +233.3% 13.1y · 18.0%/yr |
| 2004-02-13 | HK$1.65M | +32.0% |
| 2003-05-16 | HK$1.25M | −29.8% |
| 1997-07-09 | HK$1.78M | — |