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At today's rate and a 90% mortgage, the deposit on this unit is about HK$455K, with repayments around HK$19,827/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$455K · loan HK$4.09M · min. income ≈ HK$39,654/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$72,055 · 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
- 1/F
- Flat
- H
- Saleable Area
- 550 Saleable ft²
- Gross Area
- 704 ft²
- Efficiency
- 78%
- District
- Yuen Long District · New Territories West
- School net (POA)
- 72
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2026-02-13 | HK$4.38M | −20.4% 2.8y · −7.0%/yr |
| 2023-05-04 | HK$5.50M | +29.4% 6.1y · 5.0%/yr |
| 2017-04-06 | HK$4.25M | +245.5% 7.6y · 32.0%/yr |
| 2009-08-18 | HK$1.23M | −22.6% |
| 1996-05-21 | HK$1.59M | — |