12/F F
in KINGSWOOD VILLAS PHASE 7 KENSWOOD COURT BLOCK 12
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$426K, with repayments around HK$18,573/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$426K · loan HK$3.83M · min. income ≈ HK$37,146/mo (50% DSR)
Upfront cash ≈ HK$478K (deposit + AVD stamp duty HK$51,713 · 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 — 80 schools within a 1 km walk.
Everyday convenience — 43 shopping and daily-needs spots nearby.
Healthcare close by — 3 hospitals/clinics within 1 km.
Green space & leisure — 82 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 12/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 |
|---|---|---|
| 2020-05-13 | HK$5.00M | +13.9% 2.8y · 5.0%/yr |
| 2017-08-02 | HK$4.39M | +150.9% 6.5y · 23.0%/yr |
| 2011-02-08 | HK$1.75M | −15.9% |
| 1998-03-21 | HK$2.08M | +13.0% |
| 1997-01-10 | HK$1.84M | +48.4% |
| 1995-10-06 | HK$1.24M | — |