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At today's rate and a 90% mortgage, the deposit on this unit is about HK$416K, with repayments around HK$18,148/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$416K · loan HK$3.74M · min. income ≈ HK$36,296/mo (50% DSR)
Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$32,215 · 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 LR-Ginza Station.
Family-friendly — 65 schools within a 1 km walk.
Everyday convenience — 26 shopping and daily-needs spots nearby.
Healthcare close by — 3 hospitals/clinics within 1 km.
Green space & leisure — 67 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 5/F
- Flat
- E
- Saleable Area
- 446 Saleable ft²
- Gross Area
- 581 ft²
- Efficiency
- 77%
- District
- Yuen Long District · New Territories West
- School net (POA)
- 72
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2020-11-11 | HK$4.80M | +6.7% 4.2y · 8.0%/yr |
| 2020-01-24 | HK$4.50M | +26.4% 3.4y · 8.0%/yr |
| 2016-08-25 | HK$3.56M | +132.7% 6.0y · 22.0%/yr |
| 2010-08-23 | HK$1.53M | −15.0% |
| 1998-05-29 | HK$1.80M | +41.7% |
| 1995-07-22 | HK$1.27M | — |