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26/F 6

in Perfect Mount Gardens Block C

Eastern District · Hong Kong Island

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Crescira AVM · estimated value Medium confidence
HK$6.05M
≈ HK$13,452 / 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$605K, with repayments around HK$26,403/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$24,845
−HK$1,558/mo
▼ 0.25% · 3.875%
HK$25,618
−HK$785/mo
Today · 4.125%
HK$26,403
baseline
▲ 0.50% · 4.625%
HK$28,010
+HK$1,607/mo

Deposit HK$605K · loan HK$5.45M · min. income ≈ HK$52,806/mo (50% DSR)

Upfront cash ≈ HK$746K (deposit + AVD stamp duty HK$140,325 · 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
26/F
Flat
6
Saleable Area
450 ft²
Gross Area
534 ft²
Efficiency
84%
District
Eastern District · Hong Kong Island
School net (POA)
16

Transaction History

Date Price Gain / loss
2023-11-15 HK$5.88M +132.4%
27.0y
1996-11-27 HK$2.53M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Shau Kei Wan
≈ 1 min walk · 44 m
Education
29
schools within 1 km (17 within 500 m)
Daily convenience
30
within 1 km (17 within 500 m)
Health
8
hospitals/clinics within 1 km
Recreation
36
parks, libraries, sports within 1 km

Excellent connectivity — about 1 min walk to Shau Kei Wan Station (a rail station within an 8-min walk earns this label).

Family-friendly — 29 schools within a 1 km walk.

Everyday convenience — 30 shopping and daily-needs spots nearby.

Healthcare close by — 8 hospitals/clinics within 1 km.

Green space & leisure — 36 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com