21/F A
in KINGSWOOD VILLAS PHASE 7 KENSWOOD COURT BLOCK 11
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$555K, with repayments around HK$24,220/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$555K · loan HK$5.00M · min. income ≈ HK$48,440/mo (50% DSR)
Upfront cash ≈ HK$680K (deposit + AVD stamp duty HK$124,937 · 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 — 79 schools within a 1 km walk.
Everyday convenience — 41 shopping and daily-needs spots nearby.
Healthcare close by — 3 hospitals/clinics within 1 km.
Green space & leisure — 79 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 21/F
- Flat
- A
- Saleable Area
- 635 Saleable ft²
- Gross Area
- 820 ft²
- Efficiency
- 77%
- District
- Yuen Long District · New Territories West
- School net (POA)
- 72
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2025-09-18 | HK$5.10M | +2.0% 0.8y |
| 2024-12-02 | HK$5.00M | +28.9% 27.1y · 1.0%/yr |
| 1997-12-08 | HK$3.88M | +3.5% |
| 1997-07-11 | HK$3.75M | +124.6% |
| 1995-07-21 | HK$1.67M | — |