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At today's rate and a 90% mortgage, the deposit on this unit is about HK$395K, with repayments around HK$17,231/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$395K · loan HK$3.56M · min. income ≈ HK$34,462/mo (50% DSR)
Upfront cash ≈ HK$395K (deposit + AVD stamp duty HK$100 · 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 4 min walk to Mass Transit Railway Fanling Station Station.
Family-friendly — 42 schools within a 1 km walk.
Everyday convenience — 29 shopping and daily-needs spots nearby.
Healthcare close by — 11 hospitals/clinics within 1 km.
Green space & leisure — 41 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 4/F
- Flat
- 8
- Saleable Area
- 366 Saleable ft²
- Gross Area
- 475 ft²
- Efficiency
- 77%
- District
- North District · New Territories East
- School net (POA)
- 81
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2026-04-02 | HK$4.30M | +10.8% 1.0y · 11.0%/yr |
| 2025-04-02 | HK$3.88M | −21.9% 5.0y · −4.0%/yr |
| 2020-04-02 | HK$4.97M | +382.5% 12.7y · 30.0%/yr |
| 2007-08-16 | HK$1.03M | — |