Home Southern District SOUTH BAY PALACE TOWER 1

5/F C

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Floor

2/F A 1,903 ft² 2/F B 1,424 ft² 2/F C 1,367 ft² 3/F A 1,903 ft² 3/F B 1,424 ft² 3/F C 1,367 ft² 5/F A 1,903 ft² 5/F B 1,424 ft² 5/F C 1,367 ft² 6/F A 1,903 ft² 6/F C 1,373 ft² 7/F A 1,903 ft² 7/F B 1,423 ft² 7/F C 1,373 ft² 8/F A 1,905 ft² 8/F B 2,838 ft² 8/F C 1,373 ft² 9/F A 1,905 ft² 9/F C 1,380 ft²

Estimate Mortgage & QoL Unit Information Transaction History

Crescira AVM · estimated value ● Medium confidence

HK$32.05M

≈ HK$23,446 / 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$9.62M, with repayments around HK$108,735/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$102,319

−HK$6,416/mo

▼ 0.25% · 3.875%

HK$105,501

−HK$3,234/mo

Today · 4.125%

HK$108,735

baseline

▲ 0.50% · 4.625%

HK$115,351

+HK$6,616/mo

Deposit HK$9.62M · loan HK$22.44M · min. income ≈ HK$217,470/mo (50% DSR)

Upfront cash ≈ HK$10.98M (deposit + AVD stamp duty HK$1,362,172 · Scale 2, in force from 26 Feb 2026)

QoL Matrix

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

Nearest MTR

Mass Transit Railway Ocean Park Station

≈ 38 min walk · 3,027 m

Education

schools within 1 km (2 within 500 m)

Daily convenience

within 1 km (1 within 500 m)

Health

hospitals/clinics within 1 km

Recreation

parks, libraries, sports within 1 km

Everyday convenience — 3 shopping and daily-needs spots nearby.

Green space & leisure — 5 parks, libraries and sports venues nearby.

Location

Unit Information

Floor: 5/F
Flat: C
Saleable Area: 1,367 Saleable ft²
Gross Area: 1,780 ft²
Efficiency: 77%
District: Southern District · Hong Kong Island
School net (POA): 18

Transaction History

Date	Price	Gain / loss	$/ft²	$/ft² gross
2025-06-02	HK$29.80M	+19.2% 1.2y · 16.0%/yr	HK$21,800	HK$16,742
2024-04-11	HK$25.00M	−7.4% 3.7y · −2.0%/yr	HK$18,288	HK$14,045
2020-07-31	HK$27.00M	+10.7% 5.1y · 2.0%/yr	HK$19,751	HK$15,168
2015-07-10	HK$24.38M	+39.6%	HK$17,835	HK$13,697
2007-06-01	HK$17.46M	—	HK$12,772	HK$9,809