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5/F F

in Lap Hing Building

Wan Chai District · Hong Kong Island

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Crescira AVM · estimated value Medium confidence
HK$2.88M
≈ HK$10,236 / ft² saleable · updated 2026-08-01
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$288K, with repayments around HK$12,546/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$11,805
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,173
−HK$373/mo
Today · 4.125%
HK$12,546
baseline
▲ 0.50% · 4.625%
HK$13,309
+HK$763/mo

Deposit HK$288K · loan HK$2.59M · min. income ≈ HK$25,092/mo (50% DSR)

Upfront cash ≈ HK$288K (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).

Unit Information

Floor
5/F
Flat
F
Saleable Area
281 ft²
Gross Area
320 ft²
Efficiency
88%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2018-07-24 HK$4.45M +136.7%
7.6y
2011-01-07 HK$1.88M +141.0%
2005-01-28 HK$780K +11.4%
2002-03-08 HK$700K −6.7%
2000-12-29 HK$750K −3.8%
1999-08-28 HK$780K −51.2%
1997-11-20 HK$1.60M +81.8%
1997-06-16 HK$880K

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Exhibition Centre
≈ 6 min walk · 421 m
Education
31
schools within 1 km (15 within 500 m)
Daily convenience
80
within 1 km (35 within 500 m)
Health
20
hospitals/clinics within 1 km
Recreation
59
parks, libraries, sports within 1 km

Excellent connectivity — about 6 min walk to Exhibition Centre Station (a rail station within an 8-min walk earns this label).

Family-friendly — 31 schools within a 1 km walk.

Everyday convenience — 80 shopping and daily-needs spots nearby.

Healthcare close by — 20 hospitals/clinics within 1 km.

Green space & leisure — 59 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com