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12/F K

in Garden Regency Tower 3

Yuen Long District · New Territories West

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Floor
2/F L 366 ft² 3/F A 413 ft² 3/F B 380 ft² 3/F C 382 ft² 3/F D 391 ft² 3/F E 360 ft² 3/F F 290 ft² 3/F G 360 ft² 3/F H 393 ft² 3/F J 360 ft² 3/F K 381 ft² 3/F L 403 ft² 3/F M 412 ft² 5/F A 413 ft² 5/F B 380 ft² 5/F C 382 ft² 5/F D 391 ft² 5/F E 360 ft² 5/F F 290 ft² 5/F G 360 ft² 5/F H 393 ft² 5/F J 360 ft² 5/F K 381 ft² 5/F L 403 ft² 5/F M 412 ft² 6/F A 413 ft² 6/F B 380 ft² 6/F C 382 ft² 6/F D 391 ft² 6/F E 360 ft² 6/F F 290 ft² 6/F G 360 ft² 6/F H 393 ft² 6/F J 360 ft² 6/F K 381 ft² 6/F L 403 ft² 6/F M 412 ft² 7/F A 413 ft² 7/F B 380 ft² 7/F C 382 ft² 7/F D 391 ft² 7/F E 360 ft² 7/F F 290 ft² 7/F G 360 ft² 7/F H 393 ft² 7/F J 360 ft² 7/F K 381 ft² 7/F L 403 ft² 7/F M 412 ft² 8/F A 413 ft² 8/F B 380 ft² 8/F C 382 ft² 8/F D 391 ft² 8/F E 360 ft² 8/F F 290 ft² 8/F G 360 ft² 8/F H 393 ft² 8/F J 360 ft² 8/F K 381 ft² 8/F L 403 ft² 8/F M 412 ft² 9/F A 413 ft² 9/F B 380 ft² 9/F D 391 ft² 9/F E 360 ft² 9/F F 290 ft² 9/F H 393 ft² 9/F J 360 ft² 9/F K 381 ft² 9/F L 403 ft² 9/F M 412 ft² 10/F A 413 ft² 10/F B 380 ft² 10/F C 382 ft² 10/F D 391 ft² 10/F E 360 ft² 10/F F 290 ft² 10/F G 360 ft² 10/F H 393 ft² 10/F J 360 ft² 10/F K 381 ft² 10/F L 403 ft² 10/F M 412 ft² 11/F A 413 ft² 11/F B 380 ft² 11/F C 382 ft² 11/F D 391 ft² 11/F E 360 ft² 11/F F 290 ft² 11/F G 360 ft² 11/F H 393 ft² 11/F J 360 ft² 11/F K 381 ft² 11/F L 403 ft² 11/F M 412 ft² 12/F A 413 ft² 12/F B 380 ft² 12/F C 382 ft² 12/F D 391 ft² 12/F E 360 ft² 12/F F 290 ft² 12/F G 360 ft² 12/F H 393 ft² 12/F J 360 ft² 12/F K 381 ft² 12/F L 403 ft² 12/F M 412 ft² 15/F A 413 ft² 15/F B 380 ft² 15/F C 382 ft² 15/F D 391 ft² 15/F E 360 ft² 15/F F 290 ft² 15/F G 360 ft² 15/F H 393 ft² 15/F J 360 ft² 15/F K 381 ft² 15/F L 403 ft² 15/F M 412 ft² 16/F A 413 ft² 16/F B 380 ft² 16/F C 382 ft² 16/F D 391 ft² 16/F E 360 ft² 16/F F 290 ft² 16/F G 360 ft² 16/F H 393 ft² 16/F J 360 ft² 16/F K 381 ft² 16/F L 403 ft² 16/F M 412 ft² 17/F A 413 ft² 17/F B 380 ft² 17/F C 382 ft² 17/F D 391 ft² 17/F E 360 ft² 17/F F 290 ft² 17/F G 360 ft² 17/F H 393 ft² 17/F J 360 ft² 17/F K 381 ft² 17/F L 403 ft² 17/F M 412 ft²
Crescira AVM · estimated value Medium confidence
HK$5.45M
≈ HK$14,307 / 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$545K, with repayments around HK$23,776/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 90%
Term
▼ 0.50% · 3.625%
HK$22,373
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,069
−HK$707/mo
Today · 4.125%
HK$23,776
baseline
▲ 0.50% · 4.625%
HK$25,223
+HK$1,447/mo

Deposit HK$545K · loan HK$4.91M · min. income ≈ HK$47,552/mo (50% DSR)

Upfront cash ≈ HK$668K (deposit + AVD stamp duty HK$122,647 · 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
12/F
Flat
K
Saleable Area
381 ft²
District
Yuen Long District · New Territories West
School net (POA)
74

Transaction History

Date Price Gain / loss
2026-08-18 HK$5.48M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Kam Sheung Road
≈ 17 min walk · 1,289 m
(quite far — consider other transport options)
Education
6
schools within 1 km (0 within 500 m)
Daily convenience
3
within 1 km (1 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
7
parks, libraries, sports within 1 km

Family-friendly — 6 schools within a 1 km walk.

Everyday convenience — 3 shopping and daily-needs spots nearby.

Green space & leisure — 7 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com