12/F E
in KINGSWOOD VILLAS PHASE 7 KENSWOOD COURT BLOCK 10
Yuen Long District · New Territories West
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At today's rate and a 90% mortgage, the deposit on this unit is about HK$428K, with repayments around HK$18,660/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$428K · loan HK$3.85M · min. income ≈ HK$37,320/mo (50% DSR)
Upfront cash ≈ HK$484K (deposit + AVD stamp duty HK$55,701 · 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 3 min walk to LR-Ginza Station.
Family-friendly — 78 schools within a 1 km walk.
Everyday convenience — 37 shopping and daily-needs spots nearby.
Healthcare close by — 3 hospitals/clinics within 1 km.
Green space & leisure — 74 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 12/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 |
|---|---|---|
| 2023-01-12 | HK$4.52M | −11.0% 3.1y · −4.0%/yr |
| 2019-11-29 | HK$5.08M | +330.5% 4.3y · 8.0%/yr |
| 2000-08-18 | HK$1.18M | −9.9% |
| 1995-07-28 | HK$1.31M | — |