12/F 3
in GOLDEN LION GARDEN PHASE 1 GOLDEN HARMONY COURT (BLOCK C)
Sha Tin District · New Territories East
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At today's rate and a 90% mortgage, the deposit on this unit is about HK$384K, with repayments around HK$16,744/mo for the first 5 years.
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%.
Deposit HK$384K · loan HK$3.45M · min. income ≈ HK$33,488/mo (50% DSR)
Upfront cash ≈ HK$384K (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).
of income on repayments ·
QoL Matrix
Family-friendly — 36 schools within a 1 km walk.
Everyday convenience — 25 shopping and daily-needs spots nearby.
Healthcare close by — 4 hospitals/clinics within 1 km.
Green space & leisure — 29 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 12/F
- Flat
- 3
- Saleable Area
- 285 Saleable ft²
- Gross Area
- 466 ft²
- Efficiency
- 61%
- District
- Sha Tin District · New Territories East
- School net (POA)
- 88
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2026-06-02 | HK$3.84M | +10.3% 0.3y |
| 2026-02-04 | HK$3.48M | +13.4% 9.6y · 1.0%/yr |
| 2016-07-26 | HK$3.07M | +179.1% 17.2y · 10.0%/yr |
| 1999-05-18 | HK$1.10M | — |