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7/F 7

in Heng Fa Chuen Block 45

Eastern District · Hong Kong Island

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Crescira AVM · estimated value Medium confidence
HK$10.20M
≈ HK$14,308 / 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$3.06M, with repayments around HK$34,610/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$32,568
−HK$2,042/mo
▼ 0.25% · 3.875%
HK$33,581
−HK$1,029/mo
Today · 4.125%
HK$34,610
baseline
▲ 0.50% · 4.625%
HK$36,716
+HK$2,106/mo

Deposit HK$3.06M · loan HK$7.14M · min. income ≈ HK$69,220/mo (50% DSR)

Upfront cash ≈ HK$3.44M (deposit + AVD stamp duty HK$382,567 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
7/F
Flat
7
Saleable Area
713 ft²
Gross Area
838 ft²
Efficiency
85%
District
Eastern District · Hong Kong Island
School net (POA)
16

Transaction History

Date Price Gain / loss
2010-07-14 HK$5.30M +92.7%
2004-01-20 HK$2.75M −38.2%
1996-10-10 HK$4.45M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Heng Fa Chuen
≈ 1 min walk · 56 m
Education
11
schools within 1 km (6 within 500 m)
Daily convenience
4
within 1 km (3 within 500 m)
Health
7
hospitals/clinics within 1 km
Recreation
13
parks, libraries, sports within 1 km

Excellent connectivity — about 1 min walk to Heng Fa Chuen Station (a rail station within an 8-min walk earns this label).

Family-friendly — 11 schools within a 1 km walk.

Everyday convenience — 4 shopping and daily-needs spots nearby.

Healthcare close by — 7 hospitals/clinics within 1 km.

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

Location

Other appraised units in this building

Data sourced from Renavon.com