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At today's rate and a 90% mortgage, the deposit on this unit is about HK$434K, with repayments around HK$18,932/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$434K · loan HK$3.91M · min. income ≈ HK$37,864/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,106 · 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 2 min walk to LR-Ginza Station.
Family-friendly — 101 schools within a 1 km walk.
Everyday convenience — 50 shopping and daily-needs spots nearby.
Healthcare close by — 4 hospitals/clinics within 1 km.
Green space & leisure — 87 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 23/F
- Flat
- F
- Saleable Area
- 442 Saleable ft²
- Gross Area
- 576 ft²
- Efficiency
- 77%
- District
- Yuen Long District · New Territories West
- School net (POA)
- 72
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2020-04-16 | HK$5.18M | +53.8% 3.7y · 15.0%/yr |
| 2016-07-26 | HK$3.37M | +41.5% 4.1y · 10.0%/yr |
| 2012-06-18 | HK$2.38M | +53.5% |
| 2010-07-27 | HK$1.55M | +43.5% |
| 2006-06-09 | HK$1.08M | −42.6% |
| 1998-03-13 | HK$1.88M | +18.2% |
| 1996-06-13 | HK$1.59M | — |