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18/F D

in Kingston Lodge

Sha Tin District · New Territories East

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Crescira AVM · estimated value Medium confidence
HK$6.81M
≈ HK$14,524 / 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$681K, with repayments around HK$29,712/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$27,959
−HK$1,753/mo
▼ 0.25% · 3.875%
HK$28,829
−HK$883/mo
Today · 4.125%
HK$29,712
baseline
▲ 0.50% · 4.625%
HK$31,520
+HK$1,808/mo

Deposit HK$681K · loan HK$6.13M · min. income ≈ HK$59,424/mo (50% DSR)

Upfront cash ≈ HK$886K (deposit + AVD stamp duty HK$204,356 · 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
18/F
Flat
D
Saleable Area
469 ft²
Gross Area
693 ft²
Efficiency
68%
District
Sha Tin District · New Territories East
School net (POA)
91

Transaction History

Date Price Gain / loss
2025-03-24 HK$6.20M +24.0%
12.1y
2013-02-19 HK$5.00M +34.1%
2.1y
2011-01-10 HK$3.73M +7.7%
1.2y
2009-11-06 HK$3.46M

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