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2/F F

in Po Ming Building

Wan Chai District · Hong Kong Island

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Crescira AVM · estimated value ● Medium confidence
HK$4.28M
≈ HK$7,971 / 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 90% mortgage, the deposit on this unit is about HK$428K, with repayments around HK$18,670/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 90%
Term
▼ 0.50% · 3.625%
HK$17,568
−HK$1,102/mo
▼ 0.25% · 3.875%
HK$18,115
−HK$555/mo
Today · 4.125%
HK$18,670
baseline
▲ 0.50% · 4.625%
HK$19,806
+HK$1,136/mo

Deposit HK$428K · loan HK$3.85M · min. income ≈ HK$37,340/mo (50% DSR)

Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$56,147 · 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).

Unit Information

Floor
2/F
Flat
F
Saleable Area
537 ft²
Gross Area
700 ft²
Efficiency
77%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2017-05-02 HK$7.80M +17.3%
5.7y
2011-08-26 HK$6.65M +203.0%
5.6y
2006-02-04 HK$2.19M +23.3%
9.1y
1997-01-07 HK$1.78M +13.5%
1.4y
1995-08-16 HK$1.57M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Causeway Bay
≈ 3 min walk · 206 m
Education
39
schools within 1 km (13 within 500 m)
Daily convenience
72
within 1 km (50 within 500 m)
Health
19
hospitals/clinics within 1 km
Recreation
97
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to Causeway Bay Station (a rail station within an 8-min walk earns this label).

Family-friendly — 39 schools within a 1 km walk.

Everyday convenience — 72 shopping and daily-needs spots nearby.

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

Green space & leisure — 97 parks, libraries and sports venues nearby.

Location

Other appraised units in this building