12/F 21
in KWAN YICK BUILDING PHASE 1 KWAN YICK BUILDING PHASE 1
Central and Western District · Hong Kong Island
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At today's rate and a 90% mortgage, the deposit on this unit is about HK$299K, with repayments around HK$13,026/mo for the first 5 years.
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%.
Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,052/mo (50% DSR)
Upfront cash ≈ HK$299K (deposit + AVD stamp duty HK$100 · 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).
of income on repayments ·
QoL Matrix
Excellent connectivity — about 4 min walk to Mass Transit Railway HKU Station Station.
Family-friendly — 53 schools within a 1 km walk.
Everyday convenience — 68 shopping and daily-needs spots nearby.
Healthcare close by — 2 hospitals/clinics within 1 km.
Green space & leisure — 60 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 12/F
- Flat
- 21
- Saleable Area
- 269 Saleable ft²
- Gross Area
- 380 ft²
- Efficiency
- 71%
- District
- Central and Western District · Hong Kong Island
- School net (POA)
- 11
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2021-04-12 | HK$4.23M | +92.3% 9.1y · 10.0%/yr |
| 2012-03-06 | HK$2.20M | +38.4% |
| 2010-04-07 | HK$1.59M | +101.3% |
| 2006-03-27 | HK$790K | +6.8% |
| 1998-10-23 | HK$740K | — |