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12/F C

in Kingston Lodge

Sha Tin District · New Territories East

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Crescira AVM · estimated value Medium confidence
HK$6.71M
≈ HK$14,185 / 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$671K, with repayments around HK$29,266/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$27,539
−HK$1,727/mo
▼ 0.25% · 3.875%
HK$28,396
−HK$870/mo
Today · 4.125%
HK$29,266
baseline
▲ 0.50% · 4.625%
HK$31,047
+HK$1,781/mo

Deposit HK$671K · loan HK$6.04M · min. income ≈ HK$58,532/mo (50% DSR)

Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$201,286 · 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).

Unit Information

Floor
12/F
Flat
C
Saleable Area
473 ft²
Gross Area
682 ft²
Efficiency
69%
District
Sha Tin District · New Territories East
School net (POA)
91

Transaction History

Date Price Gain / loss
2016-12-30 HK$6.68M +39.7%
4.0y
2012-12-21 HK$4.78M +49.4%
3.1y
2009-12-08 HK$3.20M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sha Tin Wai
≈ 7 min walk · 481 m
Education
50
schools within 1 km (9 within 500 m)
Daily convenience
49
within 1 km (8 within 500 m)
Health
9
hospitals/clinics within 1 km
Recreation
40
parks, libraries, sports within 1 km

Excellent connectivity — about 7 min walk to Sha Tin Wai Station (a rail station within an 8-min walk earns this label).

Family-friendly — 50 schools within a 1 km walk.

Everyday convenience — 49 shopping and daily-needs spots nearby.

Healthcare close by — 9 hospitals/clinics within 1 km.

Green space & leisure — 40 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com