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3/F F

in Merry Court

Central and Western District · Hong Kong Island

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Crescira AVM · estimated value ● Medium confidence
HK$12.54M
≈ HK$11,459 / ft² saleable · updated 2026-09-01
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$3.76M, with repayments around HK$42,528/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$40,018
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,263
−HK$1,265/mo
Today · 4.125%
HK$42,528
baseline
▲ 0.50% · 4.625%
HK$45,116
+HK$2,588/mo

Deposit HK$3.76M · loan HK$8.77M · min. income ≈ HK$85,056/mo (50% DSR)

Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$470,089 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
3/F
Flat
F
Saleable Area
1,094 ft²
Gross Area
1,397 ft²
Efficiency
78%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2026-01-06 HK$11.00M +279.3%
23.8y
2002-04-10 HK$2.90M −48.8%
5.3y
1996-12-23 HK$5.66M +6.8%
1.2y
1995-10-04 HK$5.30M +37.7%
1995-07-28 HK$3.85M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sheung Wan
≈ 8 min walk · 640 m
Education
46
schools within 1 km (21 within 500 m)
Daily convenience
61
within 1 km (17 within 500 m)
Health
20
hospitals/clinics within 1 km
Recreation
60
parks, libraries, sports within 1 km

Family-friendly — 46 schools within a 1 km walk.

Everyday convenience — 61 shopping and daily-needs spots nearby.

Healthcare close by — 20 hospitals/clinics within 1 km.

Green space & leisure — 60 parks, libraries and sports venues nearby.

Location

Other appraised units in this building