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At today's rate and a 90% mortgage, the deposit on this unit is about HK$434K, with repayments around HK$18,912/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$434K · loan HK$3.90M · min. income ≈ HK$37,824/mo (50% DSR)
Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,039 · 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 6 min walk to Mass Transit Railway Fanling Station Station.
Family-friendly — 76 schools within a 1 km walk.
Everyday convenience — 44 shopping and daily-needs spots nearby.
Healthcare close by — 11 hospitals/clinics within 1 km.
Green space & leisure — 69 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 25/F
- Flat
- 5
- Saleable Area
- 368 Saleable ft²
- Gross Area
- 465 ft²
- Efficiency
- 79%
- District
- North District · New Territories East
- School net (POA)
- 81
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2025-12-23 | HK$4.30M | −18.8% 4.6y · −4.0%/yr |
| 2021-04-21 | HK$5.30M | +8.6% 3.1y · 3.0%/yr |
| 2018-02-28 | HK$4.88M | +171.1% 7.3y · 23.0%/yr |
| 2010-11-05 | HK$1.80M | — |