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At today's rate and a 90% mortgage, the deposit on this unit is about HK$521K, with repayments around HK$22,735/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$521K · loan HK$4.69M · min. income ≈ HK$45,470/mo (50% DSR)
Upfront cash ≈ HK$638K (deposit + AVD stamp duty HK$117,275 · 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
- 4/F
- Flat
- B
- Saleable Area
- 630 Saleable ft²
- Gross Area
- 811 ft²
- Efficiency
- 78%
- District
- Yuen Long District · New Territories West
- School net (POA)
- 72
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2025-01-10 | HK$4.90M | −18.7% 4.0y · −5.0%/yr |
| 2020-12-30 | HK$6.03M | +16.0% 3.0y · 5.0%/yr |
| 2017-12-29 | HK$5.20M | +223.0% 22.1y · 10.0%/yr |
| 1995-12-11 | HK$1.61M | — |