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At today's rate and a 90% mortgage, the deposit on this unit is about HK$425K, with repayments around HK$18,542/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$425K · loan HK$3.83M · min. income ≈ HK$37,084/mo (50% DSR)
Upfront cash ≈ HK$475K (deposit + AVD stamp duty HK$50,299 · 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 Mass Transit Railway Fanling Station Station.
Family-friendly — 40 schools within a 1 km walk.
Everyday convenience — 32 shopping and daily-needs spots nearby.
Healthcare close by — 11 hospitals/clinics within 1 km.
Green space & leisure — 44 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 6/F
- Flat
- B
- Saleable Area
- 399 Saleable ft²
- Gross Area
- 533 ft²
- Efficiency
- 75%
- District
- North District · New Territories East
- School net (POA)
- 81
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2025-07-15 | HK$4.15M | −23.1% 4.1y · −6.0%/yr |
| 2021-07-13 | HK$5.40M | +342.6% 12.2y · 28.0%/yr |
| 2009-05-04 | HK$1.22M | −6.2% |
| 2008-03-25 | HK$1.30M | +21.5% |
| 2007-11-06 | HK$1.07M | — |