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3/F E

in Provident Centre Block 2

Eastern District · Hong Kong Island

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Crescira AVM · estimated value Medium confidence
HK$13.81M
≈ HK$13,292 / 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$4.14M, with repayments around HK$46,853/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$44,088
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,459
−HK$1,394/mo
Today · 4.125%
HK$46,853
baseline
▲ 0.50% · 4.625%
HK$49,703
+HK$2,850/mo

Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,706/mo (50% DSR)

Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,892 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
3/F
Flat
E
Saleable Area
1,039 ft²
Gross Area
1,189 ft²
Efficiency
87%
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2020-07-23 HK$17.00M +10.5%
3.4y · 3.0%/yr
2017-03-01 HK$15.38M +136.6%
7.9y · 17.0%/yr
2009-04-01 HK$6.50M +11.9%
1996-04-23 HK$5.81M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
North Point
≈ 6 min walk · 419 m
Education
45
schools within 1 km (17 within 500 m)
Daily convenience
46
within 1 km (24 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
38
parks, libraries, sports within 1 km

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

Family-friendly — 45 schools within a 1 km walk.

Everyday convenience — 46 shopping and daily-needs spots nearby.

Healthcare close by — 3 hospitals/clinics within 1 km.

Green space & leisure — 38 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com