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At today's rate and a 90% mortgage, the deposit on this unit is about HK$430K, with repayments around HK$18,776/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$430K · loan HK$3.87M · min. income ≈ HK$37,552/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$61,026 · 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 — 60 schools within a 1 km walk.
Everyday convenience — 24 shopping and daily-needs spots nearby.
Healthcare close by — 3 hospitals/clinics within 1 km.
Green space & leisure — 68 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 11/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 |
|---|---|---|
| 2024-03-28 | HK$3.96M | −28.0% 4.7y · −6.0%/yr |
| 2019-07-23 | HK$5.50M | +78.0% 3.3y · 24.0%/yr |
| 2016-04-13 | HK$3.09M | +132.3% 20.8y · 6.0%/yr |
| 1995-07-10 | HK$1.33M | — |