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Home Central and Western District Luen Gay Apartments

18/F 5

in Luen Gay Apartments

Central and Western District · Hong Kong Island

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2/F 1 382 ft² 2/F 10 382 ft² 2/F 12 339 ft² 2/F 4 382 ft² 2/F 5 327 ft² 2/F 7 382 ft² 2/F 8 371 ft² 3/F 10 382 ft² 3/F 11 323 ft² 3/F 12 339 ft² 3/F 2 371 ft² 3/F 3 371 ft² 3/F 4 382 ft² 3/F 5 327 ft² 3/F 6 327 ft² 3/F 8 371 ft² 4/F 1 382 ft² 4/F 10 382 ft² 4/F 2 371 ft² 4/F 3 371 ft² 4/F 4 382 ft² 4/F 5 327 ft² 4/F 6 327 ft² 4/F 7 382 ft² 4/F 9 371 ft² 5/F 2 371 ft² 5/F 4 382 ft² 5/F 7 382 ft² 5/F 8 371 ft² 5/F 9 371 ft² 6/F 10 382 ft² 6/F 3 371 ft² 6/F 4 382 ft² 6/F 8 371 ft² 6/F 9 371 ft² 7/F 11 237 ft² 7/F 2 371 ft² 7/F 4 382 ft² 7/F 5 327 ft² 7/F 6 327 ft² 7/F 7 382 ft² 7/F 8 371 ft² 7/F 9 371 ft² 8/F 3 371 ft² 8/F 6 327 ft² 8/F 8 371 ft² 8/F 9 371 ft² 9/F 10 382 ft² 9/F 4 382 ft² 9/F 6 327 ft² 9/F 8 371 ft² 9/F 9 371 ft² 10/F 2 371 ft² 10/F 3 371 ft² 10/F 4 382 ft² 10/F 5 327 ft² 10/F 8 371 ft² 10/F 9 371 ft² 11/F 1 382 ft² 11/F 2 371 ft² 11/F 5 327 ft² 11/F 6 327 ft² 11/F 7 382 ft² 11/F 9 371 ft² 12/F 1 382 ft² 12/F 11 323 ft² 12/F 2 371 ft² 12/F 3 371 ft² 12/F 4 382 ft² 12/F 9 371 ft² 13/F 10 382 ft² 13/F 11 323 ft² 13/F 4 382 ft² 13/F 6 327 ft² 13/F 7 382 ft² 13/F 3 371 ft² 14/F 2 371 ft² 14/F 3 371 ft² 14/F 5 327 ft² 14/F 6 327 ft² 14/F 7 382 ft² 14/F 8 371 ft² 15/F 12 339 ft² 15/F 3 371 ft² 15/F 4 382 ft² 15/F 7 382 ft² 16/F 1 382 ft² 16/F 11 323 ft² 16/F 2 371 ft² 16/F 5 327 ft² 16/F 6 327 ft² 16/F 7 382 ft² 17/F 1 382 ft² 17/F 10 382 ft² 17/F 11 323 ft² 17/F 12 339 ft² 17/F 3 371 ft² 17/F 5 327 ft² 17/F 7 382 ft² 17/F 4 382 ft² 18/F 10 382 ft² 18/F 11 323 ft² 18/F 2 371 ft² 18/F 3 371 ft² 18/F 4 382 ft² 18/F 5 327 ft² 18/F 7 382 ft² 19/F 10 382 ft² 19/F 12 339 ft² 19/F 2 371 ft² 19/F 4 382 ft² 19/F 5 327 ft² 19/F 7 382 ft² 19/F 8 371 ft² 20/F 11 323 ft² 20/F 6 327 ft² 20/F 9 371 ft² 21/F 1 382 ft² 21/F 3 371 ft² 21/F 4 382 ft² 22/F 11 323 ft² 22/F 12 339 ft² 22/F 2 371 ft² 22/F 4 382 ft² 22/F 5 327 ft² 22/F 6 327 ft² 22/F 9 371 ft² 23/F 1 382 ft² 23/F 12 339 ft² 23/F 3 371 ft² 23/F 5 327 ft² 23/F 7 382 ft² 23/F 9 371 ft² 23/F 6 327 ft² 24/F 1 339 ft²
Crescira AVM · estimated value ● Medium confidence
HK$3.70M
≈ HK$11,330 / 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 90% mortgage, the deposit on this unit is about HK$370K, with repayments around HK$16,160/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$15,206
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,679
−HK$481/mo
Today · 4.125%
HK$16,160
baseline
▲ 0.50% · 4.625%
HK$17,143
+HK$983/mo

Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,320/mo (50% DSR)

Upfront cash ≈ HK$371K (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).

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Mass Transit Railway Kennedy Town Station
≈ 2 min walk · 134 m
Education
29
schools within 1 km (18 within 500 m)
Daily convenience
33
within 1 km (21 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
56
parks, libraries, sports within 1 km

Excellent connectivity — about 2 min walk to Mass Transit Railway Kennedy Town Station Station.

Family-friendly — 29 schools within a 1 km walk.

Everyday convenience — 33 shopping and daily-needs spots nearby.

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

Green space & leisure — 56 parks, libraries and sports venues nearby.

Location

Unit Information

Floor
18/F
Flat
5
Saleable Area
327 Saleable ft²
Gross Area
327 ft²
Efficiency
100%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2021-08-24 HK$5.19M +34.8%
5.2y · 7.0%/yr
2016-06-03 HK$3.85M +112.7%
19.0y · 6.0%/yr
1997-07-09 HK$1.81M +23.1%
1997-04-12 HK$1.47M —

Other appraised units in this building

2/F 1
382 ft²
HK$3.85M
2/F 10
382 ft²
HK$3.94M
2/F 12
339 ft²
HK$3.47M
2/F 4
382 ft²
HK$3.87M
2/F 5
327 ft²
HK$3.36M
2/F 7
382 ft²
HK$3.91M
Data sourced from Renavon.com