Home Yuen Long District The Spectra Tower 2

20/F J

Yuen Long District · New Territories West

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Floor

1/F A 500 ft² 1/F B 246 ft² 1/F C 337 ft² 1/F D 503 ft² 1/F E 484 ft² 1/F F 622 ft² 1/F G 482 ft² 1/F H 481 ft² 1/F J 597 ft² 1/F K 363 ft² 2/F A 500 ft² 2/F B 246 ft² 2/F C 337 ft² 2/F D 503 ft² 2/F E 484 ft² 2/F F 622 ft² 2/F G 482 ft² 2/F H 481 ft² 2/F J 597 ft² 2/F K 363 ft² 3/F A 500 ft² 3/F B 246 ft² 3/F C 337 ft² 3/F D 504 ft² 3/F E 484 ft² 3/F F 622 ft² 3/F G 482 ft² 3/F H 481 ft² 3/F J 597 ft² 3/F K 363 ft² 5/F A 500 ft² 5/F B 246 ft² 5/F C 337 ft² 5/F D 503 ft² 5/F E 484 ft² 5/F F 622 ft² 5/F G 482 ft² 5/F H 481 ft² 5/F J 597 ft² 5/F K 363 ft² 6/F A 500 ft² 6/F B 246 ft² 6/F C 337 ft² 6/F D 503 ft² 6/F E 484 ft² 6/F F 622 ft² 6/F G 482 ft² 6/F H 481 ft² 6/F J 597 ft² 6/F K 363 ft² 7/F A 500 ft² 7/F B 246 ft² 7/F C 337 ft² 7/F D 503 ft² 7/F E 484 ft² 7/F F 622 ft² 7/F G 482 ft² 7/F H 481 ft² 7/F J 597 ft² 7/F K 363 ft² 8/F A 500 ft² 8/F B 246 ft² 8/F C 337 ft² 8/F D 504 ft² 8/F E 484 ft² 8/F F 622 ft² 8/F G 482 ft² 8/F H 481 ft² 8/F J 597 ft² 8/F K 363 ft² 9/F A 499 ft² 9/F B 246 ft² 9/F C 337 ft² 9/F D 504 ft² 9/F E 484 ft² 9/F F 622 ft² 9/F G 482 ft² 9/F H 481 ft² 9/F J 597 ft² 9/F K 363 ft² 10/F A 500 ft² 10/F B 246 ft² 10/F C 337 ft² 10/F D 504 ft² 10/F E 484 ft² 10/F F 622 ft² 10/F G 482 ft² 10/F H 481 ft² 10/F J 597 ft² 10/F K 363 ft² 11/F A 499 ft² 11/F B 246 ft² 11/F C 337 ft² 11/F D 503 ft² 11/F E 484 ft² 11/F F 622 ft² 11/F G 482 ft² 11/F H 481 ft² 11/F J 597 ft² 11/F K 363 ft² 12/F A 500 ft² 12/F B 246 ft² 12/F C 337 ft² 12/F D 504 ft² 12/F E 484 ft² 12/F F 622 ft² 12/F G 482 ft² 12/F H 481 ft² 12/F J 597 ft² 12/F K 363 ft² 15/F A 500 ft² 15/F B 246 ft² 15/F C 337 ft² 15/F D 504 ft² 15/F E 484 ft² 15/F F 622 ft² 15/F G 482 ft² 15/F H 481 ft² 15/F J 597 ft² 15/F K 363 ft² 16/F A 499 ft² 16/F B 246 ft² 16/F C 337 ft² 16/F D 503 ft² 16/F E 484 ft² 16/F F 622 ft² 16/F G 482 ft² 16/F H 481 ft² 16/F J 597 ft² 16/F K 363 ft² 17/F A 500 ft² 17/F C 337 ft² 17/F D 503 ft² 17/F E 484 ft² 17/F F 622 ft² 17/F G 482 ft² 17/F H 481 ft² 17/F J 597 ft² 17/F K 363 ft² 18/F A 500 ft² 18/F B 246 ft² 18/F C 337 ft² 18/F D 503 ft² 18/F E 484 ft² 18/F F 622 ft² 18/F G 482 ft² 18/F H 481 ft² 18/F J 597 ft² 18/F K 363 ft² 19/F A 499 ft² 19/F B 246 ft² 19/F C 337 ft² 19/F D 503 ft² 19/F E 484 ft² 19/F F 622 ft² 19/F G 482 ft² 19/F H 481 ft² 19/F J 597 ft² 19/F K 363 ft² 20/F A 499 ft² 20/F B 246 ft² 20/F C 337 ft² 20/F D 503 ft² 20/F E 484 ft² 20/F F 622 ft² 20/F G 482 ft² 20/F H 481 ft² 20/F J 597 ft² 20/F K 363 ft² 21/F A 499 ft² 21/F B 246 ft² 21/F C 337 ft² 21/F D 503 ft² 21/F E 484 ft² 21/F F 622 ft² 21/F G 482 ft² 21/F H 481 ft² 21/F J 597 ft² 21/F K 363 ft² 22/F A 500 ft² 22/F B 246 ft² 22/F C 337 ft² 22/F D 503 ft² 22/F E 484 ft² 22/F F 622 ft² 22/F G 482 ft² 22/F H 481 ft² 22/F J 597 ft² 22/F K 363 ft² 23/F A 500 ft² 23/F B 246 ft² 23/F C 337 ft² 23/F D 503 ft² 23/F E 484 ft² 23/F F 622 ft² 23/F G 482 ft² 23/F H 481 ft² 23/F J 597 ft² 23/F K 363 ft² 25/F A 820 ft² 25/F C 337 ft² 25/F D 503 ft² 25/F E 484 ft² 25/F F 622 ft² 25/F G 482 ft² 25/F H 481 ft² 25/F J 597 ft² 26/F A 820 ft² 26/F B 246 ft² 26/F C 337 ft² 26/F D 503 ft² 26/F E 484 ft² 26/F F 622 ft² 26/F G 482 ft² 26/F H 481 ft² 26/F J 597 ft² 27/F A 820 ft² 27/F B 246 ft² 27/F C 337 ft² 27/F D 503 ft² 27/F E 484 ft² 27/F F 622 ft² 27/F G 482 ft² 27/F H 481 ft² 27/F J 597 ft² 28/F A 820 ft² 28/F B 246 ft² 28/F C 337 ft² 28/F D 503 ft² 28/F E 484 ft² 28/F F 622 ft² 28/F G 482 ft² 28/F H 481 ft² 28/F J 597 ft²

Crescira AVM · estimated value ● Medium confidence

HK$8.14M

≈ HK$13,642 / 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 90% mortgage, the deposit on this unit is about HK$814K, with repayments around HK$35,525/mo for the first 5 years.

Open full planner → Compare mortgage offers →

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 90%

Term

▼ 0.50% · 3.625%

HK$33,428

−HK$2,097/mo

▼ 0.25% · 3.875%

HK$34,468

−HK$1,057/mo

Today · 4.125%

HK$35,525

baseline

▲ 0.50% · 4.625%

HK$37,686

+HK$2,161/mo

Deposit HK$814K · loan HK$7.33M · min. income ≈ HK$71,050/mo (50% DSR)

Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$244,332 · 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).

Unit Information

Floor: 20/F
Flat: J
Saleable Area: 597 ft²
District: Yuen Long District · New Territories West
School net (POA): 74

Transaction History

Date	Price	Gain / loss	$/ft²	$/ft² gross
2020-04-16	HK$8.35M	+20.1% 3.5y · 6.0%/yr	HK$13,987	—
2016-09-20	HK$6.95M	—	HK$11,743	—

QoL Matrix

View full Quality-of-Life page → Government open data

Nearest MTR

Long Ping

≈ 3 min walk · 174 m

Education

schools within 1 km (15 within 500 m)

Daily convenience

within 1 km (17 within 500 m)

Health

hospitals/clinics within 1 km

Recreation

parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to Long Ping Station (a rail station within an 8-min walk earns this label).

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

Everyday convenience — 48 shopping and daily-needs spots nearby.

Healthcare close by — 11 hospitals/clinics within 1 km.

Green space & leisure — 47 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com