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6/F 8

in Heng Fa Chuen Block 45

Eastern District · Hong Kong Island

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Crescira AVM · estimated value Medium confidence
HK$12.20M
≈ HK$14,772 / 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$3.66M, with repayments around HK$41,396/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$38,953
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$40,165
−HK$1,231/mo
Today · 4.125%
HK$41,396
baseline
▲ 0.50% · 4.625%
HK$43,915
+HK$2,519/mo

Deposit HK$3.66M · loan HK$8.54M · min. income ≈ HK$82,792/mo (50% DSR)

Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$457,576 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
6/F
Flat
8
Saleable Area
826 ft²
Gross Area
974 ft²
Efficiency
85%
District
Eastern District · Hong Kong Island
School net (POA)
16

Transaction History

Date Price Gain / loss
2016-08-05 HK$10.10M +98.8%
7.6y
2009-01-06 HK$5.08M −7.1%
1996-05-27 HK$5.47M

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