12/F E

Central and Western District · Hong Kong Island

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UP4 NO.4U02 4/F NO.403 5/F A 573 ft² 5/F B 446 ft² 5/F C 446 ft² 5/F D 573 ft² 5/F E 290 ft² 5/F F 290 ft² 6/F A 573 ft² 6/F B 446 ft² 6/F C 443 ft² 6/F D 573 ft² 6/F E 290 ft² 6/F F 290 ft² 7/F A 586 ft² 7/F B 446 ft² 7/F C 443 ft² 7/F D 573 ft² 7/F E 290 ft² 7/F F 290 ft² 8/F A 573 ft² 8/F B 446 ft² 8/F C 443 ft² 8/F D 573 ft² 8/F E 290 ft² 8/F F 290 ft² 9/F A 586 ft² 9/F B 442 ft² 9/F C 446 ft² 9/F D 573 ft² 9/F E 290 ft² 9/F F 290 ft² 10/F A 573 ft² 10/F B 446 ft² 10/F C 446 ft² 10/F D 573 ft² 10/F E 290 ft² 10/F F 290 ft² 11/F A 573 ft² 11/F B 446 ft² 11/F C 446 ft² 11/F D 573 ft² 11/F E 290 ft² 11/F F 290 ft² 12/F A 573 ft² 12/F B 446 ft² 12/F C 446 ft² 12/F D 573 ft² 12/F E 290 ft² 12/F F 290 ft² 13/F A 573 ft² 13/F B 446 ft² 13/F C 446 ft² 13/F D 586 ft² 13/F F 290 ft² 13/F E 290 ft² 15/F A 573 ft² 15/F B 446 ft² 15/F C 446 ft² 15/F D 573 ft² 15/F E 290 ft² 15/F F 290 ft² 16/F A 573 ft² 16/F B 446 ft² 16/F D 573 ft² 16/F E 290 ft² 16/F F 290 ft² 17/F A 573 ft² 17/F B 446 ft² 17/F C 446 ft² 17/F D 586 ft² 17/F E 290 ft² 17/F F 290 ft² 18/F A 586 ft² 18/F B 446 ft² 18/F C 443 ft² 18/F D 573 ft² 18/F E 290 ft² 18/F F 290 ft² 19/F A 573 ft² 19/F B 446 ft² 19/F C 446 ft² 19/F D 573 ft² 19/F E 290 ft² 19/F F 290 ft² 20/F A 573 ft² 20/F B 446 ft² 20/F C 443 ft² 20/F D 586 ft² 20/F E 290 ft² 20/F F 290 ft² 21/F A 586 ft² 21/F B 443 ft² 21/F C 446 ft² 21/F D 573 ft² 21/F E 290 ft² 21/F F 290 ft² 22/F A 573 ft² 22/F B 446 ft² 22/F C 446 ft² 22/F D 573 ft² 22/F E 290 ft² 22/F F 290 ft² 23/F A 573 ft² 23/F B 446 ft² 23/F C 443 ft² 23/F D 573 ft² 23/F E 290 ft² 23/F F 290 ft² 25/F A 573 ft² 25/F B 443 ft² 25/F C 446 ft² 25/F D 573 ft² 25/F E 290 ft² 25/F F 290 ft² 26/F A 1,098 ft² 26/F B 446 ft² 26/F C 446 ft² 26/F D 1,098 ft² 26/F E 479 ft² 27/F B 446 ft² 27/F C 446 ft² 28/F A 1,031 ft² 28/F B 996 ft² 28/F C 1,014 ft² 28/F D 1,031 ft² 28/F E 477 ft² 28/F F 478 ft² 30/F A 1,029 ft² 30/F B 966 ft² 30/F C 984 ft² 30/F D 1,029 ft² 30/F E 477 ft² 30/F F 478 ft²

Estimate Mortgage & QoL Unit Information Transaction History

Crescira AVM · estimated value ● Medium confidence

HK$5.59M

≈ HK$19,269 / ft² saleable · updated 2026-06-01

Not an offer or formal valuation

Fully appraised HIBOR 1M · 3.9% Prime · 6.125%

At today's rate and a 90% mortgage, the deposit on this unit is about HK$559K, with repayments around HK$24,374/mo for the first 5 years.

Open full planner → Compare mortgage offers →

Mortgage plan · rate basis

H-plan · HIBOR + 1.30%

5.2% → capped 4.125%

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

Term

▼ 0.50% · 3.625%

HK$22,935

−HK$1,439/mo

▼ 0.25% · 3.875%

HK$23,649

−HK$725/mo

Today · 4.125%

HK$24,374

baseline

▲ 0.50% · 4.625%

HK$25,857

+HK$1,483/mo

Deposit HK$559K · loan HK$5.03M · min. income ≈ HK$48,748/mo (50% DSR)

Upfront cash ≈ HK$685K (deposit + AVD stamp duty HK$125,729 · 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).

QoL Matrix

View full Quality-of-Life page → Government open data

Nearest MTR

Mass Transit Railway Sai Ying Pun Station

≈ 2 min walk · 145 m

Education

schools within 1 km (24 within 500 m)

Daily convenience

within 1 km (16 within 500 m)

Health

hospitals/clinics within 1 km

Recreation

parks, libraries, sports within 1 km

Excellent connectivity — about 2 min walk to Mass Transit Railway Sai Ying Pun Station Station.

Family-friendly — 48 schools within a 1 km walk.

Everyday convenience — 46 shopping and daily-needs spots nearby.

Healthcare close by — 13 hospitals/clinics within 1 km.

Green space & leisure — 67 parks, libraries and sports venues nearby.

Location

Unit Information

Floor: 12/F
Flat: E
Saleable Area: 290 Saleable ft²
Gross Area: 383 ft²
Efficiency: 76%
District: Central and Western District · Hong Kong Island
School net (POA): 11

Transaction History

Date	Price	Gain / loss	$/ft²	$/ft² gross
2021-06-08	HK$6.85M	+23.4% 4.6y · 5.0%/yr	HK$23,621	HK$17,885
2016-11-23	HK$5.55M	+213.6% 10.3y · 21.0%/yr	HK$19,138	HK$14,491
2006-07-10	HK$1.77M	−49.4%	HK$6,103	HK$4,621
1997-11-03	HK$3.50M	+55.6%	HK$12,069	HK$9,138
1996-08-16	HK$2.25M	—	HK$7,759	HK$5,875

Other appraised units in this building

Data sourced from Renavon.com