At today's rate and a 90% mortgage, the deposit on this unit is about HK$454K, with repayments around HK$19,792/mo for the first 5 years.
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%.
Deposit HK$454K · loan HK$4.08M · min. income ≈ HK$39,584/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$71,255 · 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).
of income on repayments ·
QoL Matrix
Excellent connectivity — about 5 min walk to Mass Transit Railway Sheung Wan Station Station.
Family-friendly — 37 schools within a 1 km walk.
Everyday convenience — 54 shopping and daily-needs spots nearby.
Healthcare close by — 19 hospitals/clinics within 1 km.
Green space & leisure — 62 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 18/F
- Flat
- A
- Saleable Area
- 293 Saleable ft²
- Gross Area
- 514 ft²
- Efficiency
- 57%
- District
- Central and Western District · Hong Kong Island
- School net (POA)
- 11
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2020-07-17 | HK$5.80M | +16.0% 4.4y · 4.0%/yr |
| 2016-02-11 | HK$5.00M | +86.6% 6.6y · 13.0%/yr |
| 2009-07-15 | HK$2.68M | +34.0% |
| 2007-04-21 | HK$2.00M | +27.4% |
| 2006-12-07 | HK$1.57M | — |