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4/F J

in Eightland Gardens Block 4

Tai Po District · New Territories East

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Crescira AVM · estimated value Medium confidence
HK$3.60M
≈ HK$10,153 / 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$360K, with repayments around HK$15,721/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$14,794
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$467/mo
Today · 4.125%
HK$15,721
baseline
▲ 0.50% · 4.625%
HK$16,678
+HK$957/mo

Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,442/mo (50% DSR)

Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · 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
4/F
Flat
J
Saleable Area
355 ft²
Gross Area
431 ft²
Efficiency
82%
District
Tai Po District · New Territories East
School net (POA)
84

Transaction History

Date Price Gain / loss
2018-04-26 HK$5.20M +91.2%
5.2y
2013-02-18 HK$2.72M +55.4%
2.0y
2011-02-07 HK$1.75M +12.9%
0.7y
2010-05-19 HK$1.55M +43.5%
2.6y
2007-10-18 HK$1.08M +15.8%
0.3y
2007-06-30 HK$933K −4.8%
11.6y
1995-11-28 HK$980K

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Tai Wo
≈ 8 min walk · 587 m
Education
54
schools within 1 km (16 within 500 m)
Daily convenience
50
within 1 km (23 within 500 m)
Health
8
hospitals/clinics within 1 km
Recreation
60
parks, libraries, sports within 1 km

Excellent connectivity — about 8 min walk to Tai Wo Station (a rail station within an 8-min walk earns this label).

Family-friendly — 54 schools within a 1 km walk.

Everyday convenience — 50 shopping and daily-needs spots nearby.

Healthcare close by — 8 hospitals/clinics within 1 km.

Green space & leisure — 60 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com