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394 ft²
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489 ft²
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480 ft²
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477 ft²
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607 ft²
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546 ft²
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394 ft²
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473 ft²
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405 ft²
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439 ft²
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473 ft²
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477 ft²
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439 ft²
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503 ft²
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403 ft²
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607 ft²
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405 ft²
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Crescira AVM · estimated value
● Medium confidence
HK$4.09M
≈ HK$8,370 / ft² saleable
· updated 2026-08-01
Not an offer or formal valuation
Mortgage Intelligence
Fully appraised
HIBOR 1M · 3.9%
Prime · 6.125%
Typical HK bank rates as of July 2026 — this site has no live rate feed; check current HIBOR and Prime with your bank.
At today's rate and a 90% mortgage, the deposit on this unit is about HK$409K, with repayments around HK$17,852/mo for the first 5 years.
Mortgage plan · rate basis
H-plan · HIBOR + 1.30%
5.2% → capped 4.125%
Prime Rate (P-plan) · P − 2.00%
4.125%
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%.
If rates change · monthly repayment
LTV
90%
Term
▼ 0.50% · 3.625%
HK$16,799
−HK$1,053/mo
▼ 0.25% · 3.875%
HK$17,321
−HK$531/mo
Today · 4.125%
HK$17,852
baseline
▲ 0.50% · 4.625%
HK$18,938
+HK$1,086/mo
Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,704/mo (50% DSR)
Upfront cash ≈ HK$428K (deposit + AVD stamp duty HK$18,651 · 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).
Affordability check
of income on repayments ·
Unit Information
- Floor
- 4/F
- Flat
- 5
- Saleable Area
- 489 ft²
- District
- Sha Tin District · New Territories East
- School net (POA)
- 91
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2021-09-13 | HK$3.45M | — |
QoL Matrix
View full Quality-of-Life page →
Government open data
Nearest MTR
Fo Tan
≈ 13 min walk · 1,023 m
Education
11
schools within 1 km (2 within 500 m)
Daily convenience
11
within 1 km (5 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
10
parks, libraries, sports within 1 km
Family-friendly — 11 schools within a 1 km walk.
Everyday convenience — 11 shopping and daily-needs spots nearby.
Green space & leisure — 10 parks, libraries and sports venues nearby.
Location
Other appraised units in this building
Data sourced from Renavon.com