2/F NO. 425Z (FRONT)

Central and Western District · Hong Kong Island

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Floor

1/F NO. 425Y (FRONT) 501 ft² 1/F NO. 425Y (REAR) 510 ft² 2/F NO. 425Y (FRONT) 501 ft² 2/F NO. 425Y (REAR) 510 ft² 2/F NO. 425Z (FRONT) 530 ft² 2/F NO. 425Z (REAR) 530 ft² 3/F NO. 425Z (REAR) 530 ft² 4/F NO. 425Z (REAR) 530 ft² 5/F NO. 425Z (FRONT) 530 ft² 6/F NO. 425Y (FRONT) 501 ft² 6/F NO. 425Z (REAR) 530 ft² 7/F NO. 425Y (FRONT) 501 ft² 8/F NO. 425Y (FRONT) 501 ft² 8/F NO. 425Z (REAR) 530 ft² 9/F NO. 425Y (FRONT) 501 ft² 9/F NO. 425Y (REAR) 510 ft² 10/F NO. 425Y (FRONT) 462 ft² 11/F NO. 425Y (REAR) 510 ft² 11/F NO. 425Z (FRONT) 455 ft² 11/F NO. 425Z (REAR) 530 ft² 12/F NO. 425Y (FRONT) 405 ft² 12/F NO. 425Y (REAR) 510 ft² 12/F NO. 425Z (FRONT) 433 ft² 13/F NO. 425Z (FRONT) 388 ft² 13/F NO. 425Z (REAR) 530 ft²

Estimate Mortgage & QoL Unit Information Transaction History

Crescira AVM · estimated value ● Medium confidence

HK$4.46M

≈ HK$8,410 / 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$446K, with repayments around HK$19,443/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$18,296

−HK$1,147/mo

▼ 0.25% · 3.875%

HK$18,865

−HK$578/mo

Today · 4.125%

HK$19,443

baseline

▲ 0.50% · 4.625%

HK$20,626

+HK$1,183/mo

Deposit HK$446K · loan HK$4.01M · min. income ≈ HK$38,886/mo (50% DSR)

Upfront cash ≈ HK$513K (deposit + AVD stamp duty HK$66,864 · 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 HKU Station

≈ 3 min walk · 230 m

Education

schools within 1 km (21 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 3 min walk to Mass Transit Railway HKU Station Station.

Family-friendly — 38 schools within a 1 km walk.

Everyday convenience — 39 shopping and daily-needs spots nearby.

Healthcare close by — 11 hospitals/clinics within 1 km.

Green space & leisure — 57 parks, libraries and sports venues nearby.

Location

Unit Information

Floor: 2/F
Flat: NO. 425Z (FRONT)
Saleable Area: 530 Saleable ft²
District: Central and Western District · Hong Kong Island
School net (POA): 11

Transaction History

Date	Price	Gain / loss	$/ft²	$/ft² gross
2021-09-14	HK$5.00M	+0.0% 1.7y · −11.0%/yr	HK$9,434	—
2021-03-23	HK$5.00M	−19.1% 1.2y · −15.0%/yr	HK$9,434	—
2019-12-23	HK$6.18M	+22.4% 4.8y · 5.0%/yr	HK$11,660	—
2015-02-10	HK$5.05M	—	HK$9,528	—