Home Southern District Ridge Court Block C-D

12/F D

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Floor

1/F C 1,780 ft² 1/F D 1,780 ft² 2/F C 1,780 ft² 2/F D 1,780 ft² 3/F C 1,780 ft² 4/F C 1,780 ft² 4/F D 1,780 ft² 5/F C 1,780 ft² 5/F D 1,780 ft² 7/F C 1,780 ft² 7/F D 1,780 ft² 8/F D 1,787 ft² 9/F D 1,780 ft² 11/F C 1,780 ft² 12/F D 1,878 ft²

Crescira AVM · estimated value ● Medium confidence

HK$52.92M

≈ HK$28,176 / 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 70% mortgage, the deposit on this unit is about HK$15.87M, with repayments around HK$179,518/mo for the first 5 years.

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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$168,925

−HK$10,593/mo

▼ 0.25% · 3.875%

HK$174,180

−HK$5,338/mo

Today · 4.125%

HK$179,518

baseline

▲ 0.50% · 4.625%

HK$190,441

+HK$10,923/mo

Deposit HK$15.87M · loan HK$37.04M · min. income ≈ HK$359,036/mo (50% DSR)

Upfront cash ≈ HK$18.12M (deposit + AVD stamp duty HK$2,248,906 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor: 12/F
Flat: D
Saleable Area: 1,878 ft²
Gross Area: 2,300 ft²
Efficiency: 82%
District: Southern District · Hong Kong Island
School net (POA): 18

Transaction History

Date	Price	Gain / loss	$/ft²	$/ft² gross
2023-06-16	HK$66.68M	+45.0% 15.4y	HK$35,506	HK$28,991
2008-01-24	HK$46.00M	+86.2% 3.4y	HK$25,843	HK$20,000
2004-10-07	HK$24.70M	+100.8%	HK$13,876	HK$10,739
2002-09-26	HK$12.30M	—	HK$6,910	HK$5,348