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31/F 2

in One South Lane

Central and Western District · Hong Kong Island

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Crescira AVM · estimated value ● Medium confidence
HK$12.37M
≈ HK$25,767 / 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$3.71M, with repayments around HK$41,960/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$39,484
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,712
−HK$1,248/mo
Today · 4.125%
HK$41,960
baseline
▲ 0.50% · 4.625%
HK$44,513
+HK$2,553/mo

Deposit HK$3.71M · loan HK$8.66M · min. income ≈ HK$83,920/mo (50% DSR)

Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$463,812 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
31/F
Flat
2
Saleable Area
480 ft²
Gross Area
481 ft²
Efficiency
100%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2016-11-21 HK$14.70M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
HKU
≈ 2 min walk · 158 m
Education
41
schools within 1 km (18 within 500 m)
Daily convenience
41
within 1 km (16 within 500 m)
Health
2
hospitals/clinics within 1 km
Recreation
56
parks, libraries, sports within 1 km

Excellent connectivity — about 2 min walk to HKU Station (a rail station within an 8-min walk earns this label).

Family-friendly — 41 schools within a 1 km walk.

Everyday convenience — 41 shopping and daily-needs spots nearby.

Healthcare close by — 2 hospitals/clinics within 1 km.

Green space & leisure — 56 parks, libraries and sports venues nearby.

Location

Other appraised units in this building