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10/F E

in Provident Centre Block 2

Eastern District · Hong Kong Island

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Crescira AVM · estimated value Medium confidence
HK$14.93M
≈ HK$14,373 / 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$4.48M, with repayments around HK$50,663/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$47,674
−HK$2,989/mo
▼ 0.25% · 3.875%
HK$49,157
−HK$1,506/mo
Today · 4.125%
HK$50,663
baseline
▲ 0.50% · 4.625%
HK$53,746
+HK$3,083/mo

Deposit HK$4.48M · loan HK$10.45M · min. income ≈ HK$101,326/mo (50% DSR)

Upfront cash ≈ HK$5.04M (deposit + AVD stamp duty HK$560,016 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
10/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
2023-05-24 HK$17.00M −5.6%
2.5y
2020-11-18 HK$18.00M +367.5%
17.1y
2003-10-31 HK$3.85M +28.3%
2003-09-27 HK$3.00M −63.9%
6.1y
1997-08-25 HK$8.30M

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