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15/F A

in Kingston Lodge

Sha Tin District · New Territories East

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Crescira AVM · estimated value Medium confidence
HK$12.98M
≈ HK$13,385 / 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 70% mortgage, the deposit on this unit is about HK$3.90M, with repayments around HK$44,047/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 70%
Term
▼ 0.50% · 3.625%
HK$41,448
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,737
−HK$1,310/mo
Today · 4.125%
HK$44,047
baseline
▲ 0.50% · 4.625%
HK$46,727
+HK$2,680/mo

Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,094/mo (50% DSR)

Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$486,879 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
15/F
Flat
A
Saleable Area
970 ft²
Gross Area
1,409 ft²
Efficiency
69%
District
Sha Tin District · New Territories East
School net (POA)
91

Transaction History

Date Price Gain / loss
2021-12-08 HK$13.00M +72.7%
12.1y
2009-11-17 HK$7.53M

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