20/F A

Central and Western District · Hong Kong Island

Switch unit

Floor

11/F B 1,042 ft² 11/F C 841 ft² 12/F A 618 ft² 12/F C 841 ft² 12/F D 840 ft² 13/F A 618 ft² 13/F B 1,042 ft² 13/F C 841 ft² 13/F D 840 ft² 15/F A 618 ft² 15/F B 1,042 ft² 15/F C 841 ft² 15/F D 840 ft² 16/F A 618 ft² 16/F B 1,042 ft² 16/F C 841 ft² 16/F D 840 ft² 17/F A 618 ft² 17/F B 1,042 ft² 17/F C 841 ft² 17/F D 840 ft² 18/F A 618 ft² 18/F B 1,042 ft² 18/F C 841 ft² 18/F D 840 ft² 20/F A 1,032 ft² 20/F B 1,042 ft² 20/F D 840 ft² 20/F C 841 ft² 21/F D 840 ft² 23/F D 840 ft² 26/F B 1,052 ft² 26/F C 841 ft² 26/F D 840 ft² 28/F B 1,052 ft² 28/F D 840 ft² 29/F B 1,052 ft² 29/F C 841 ft² 30/F B 1,052 ft² 30/F D 840 ft² 31/F B 1,052 ft² 31/F C 841 ft² 31/F A 1,032 ft² 32/F A 1,032 ft² 32/F B 1,052 ft² 32/F D 841 ft² 37/F A 1,052 ft² 37/F B 1,070 ft² 37/F D 855 ft² 38/F A 1,052 ft² 38/F B 1,070 ft² 38/F C 855 ft² 38/F D 855 ft² 41/F B 1,070 ft² 41/F C 855 ft² 41/F D 855 ft² 43/F A 1,052 ft² 43/F B 1,070 ft² 43/F C 855 ft² 43/F D 855 ft² 45/F D 855 ft² 48/F A 2,059 ft² 48/F B 2,093 ft² 48/F C 1,437 ft² 48/F D 1,437 ft²

Estimate Mortgage & QoL Unit Information Transaction History

Crescira AVM · estimated value ● Medium confidence

HK$27.49M

≈ HK$26,642 / 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 70% mortgage, the deposit on this unit is about HK$8.25M, with repayments around HK$93,275/mo for the first 5 years.

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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$87,771

−HK$5,504/mo

▼ 0.25% · 3.875%

HK$90,501

−HK$2,774/mo

Today · 4.125%

HK$93,275

baseline

▲ 0.50% · 4.625%

HK$98,950

+HK$5,675/mo

Deposit HK$8.25M · loan HK$19.25M · min. income ≈ HK$186,550/mo (50% DSR)

Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,168,495 · Scale 2, in force from 26 Feb 2026)

QoL Matrix

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

Nearest MTR

Mass Transit Railway Sai Ying Pun Station

≈ 6 min walk · 478 m

Education

schools within 1 km (24 within 500 m)

Daily convenience

within 1 km (15 within 500 m)

Health

hospitals/clinics within 1 km

Recreation

parks, libraries, sports within 1 km

Excellent connectivity — about 6 min walk to Mass Transit Railway Sai Ying Pun Station Station.

Family-friendly — 51 schools within a 1 km walk.

Everyday convenience — 50 shopping and daily-needs spots nearby.

Healthcare close by — 19 hospitals/clinics within 1 km.

Green space & leisure — 63 parks, libraries and sports venues nearby.

Location

Unit Information

Floor: 20/F
Flat: A
Saleable Area: 1,032 Saleable ft²
Gross Area: 1,387 ft²
Efficiency: 74%
District: Central and Western District · Hong Kong Island
School net (POA): 11

Transaction History

Date	Price	Gain / loss	$/ft²	$/ft² gross
2020-07-16	HK$32.00M	+49.5% 4.3y · 12.0%/yr	HK$31,008	HK$23,071
2016-04-06	HK$21.40M	+70.5% 8.6y · 8.0%/yr	HK$20,736	HK$15,429
2007-09-05	HK$12.55M	+25.8%	HK$12,161	HK$9,048
2001-12-29	HK$9.98M	—	HK$9,670	HK$7,195