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3/F M

in Carado Garden Block 2

Sha Tin District · New Territories East

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G/F E 601 ft² 1/F E 591 ft² 1/F G 428 ft² 2/F A 482 ft² 2/F B 591 ft² 3/F D 593 ft² 3/F F 428 ft² 3/F G 428 ft² 3/F M 482 ft² 3/F E 591 ft² 4/F C 593 ft² 4/F E 591 ft² 4/F F 428 ft² 4/F G 428 ft² 5/F D 593 ft² 5/F J 593 ft² 5/F M 482 ft² 6/F D 593 ft² 6/F F 428 ft² 6/F G 428 ft² 6/F H 591 ft² 6/F M 482 ft² 6/F E 591 ft² 7/F D 593 ft² 7/F G 428 ft² 7/F K 593 ft² 7/F B 591 ft² 7/F H 591 ft² 8/F G 428 ft² 8/F H 591 ft² 8/F K 593 ft² 8/F M 482 ft² 9/F J 593 ft² 10/F G 428 ft² 10/F J 593 ft² 11/F A 482 ft² 11/F G 428 ft² 11/F F 428 ft² 11/F J 593 ft² 12/F F 428 ft² 12/F L 483 ft² 13/F A 482 ft² 13/F D 593 ft² 13/F G 428 ft² 13/F J 593 ft² 13/F K 593 ft² 14/F B 591 ft² 14/F K 593 ft² 14/F L 483 ft² 14/F H 591 ft² 15/F K 593 ft² 15/F M 482 ft² 16/F D 593 ft² 16/F J 593 ft² 16/F M 482 ft² 16/F G 428 ft² 16/F K 593 ft² 16/F L 483 ft² 17/F C 593 ft² 17/F F 428 ft² 17/F G 428 ft² 17/F L 483 ft² 18/F C 593 ft² 18/F L 483 ft² 18/F G 428 ft² 18/F J 593 ft² 19/F C 593 ft² 19/F E 591 ft² 19/F M 482 ft² 20/F M 482 ft² 20/F A 482 ft² 20/F D 593 ft² 20/F F 428 ft² 21/F A 482 ft² 21/F B 591 ft² 21/F D 593 ft² 21/F F 428 ft² 21/F M 482 ft² 22/F D 593 ft² 22/F E 591 ft² 22/F A 482 ft² 22/F C 593 ft² 22/F F 428 ft² 23/F D 593 ft² 23/F E 591 ft² 23/F F 428 ft² 23/F M 482 ft² 24/F E 591 ft² 24/F G 428 ft² 24/F J 593 ft² 24/F L 483 ft² 24/F B 591 ft² 24/F F 428 ft² 24/F K 593 ft² 24/F M 482 ft² 25/F B 591 ft² 25/F M 482 ft² 25/F A 482 ft² 25/F C 593 ft² 26/F C 593 ft² 26/F G 428 ft² 26/F H 591 ft² 26/F L 483 ft² 26/F D 593 ft² 26/F E 591 ft² 26/F F 428 ft² 26/F J 593 ft² 27/F D 593 ft² 27/F E 591 ft² 27/F G 428 ft² 27/F K 593 ft² 27/F L 483 ft² 27/F M 482 ft²
Crescira AVM · estimated value Medium confidence
HK$4.49M
≈ HK$9,308 / 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$449K, with repayments around HK$19,570/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$18,415
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$18,988
−HK$582/mo
Today · 4.125%
HK$19,570
baseline
▲ 0.50% · 4.625%
HK$20,761
+HK$1,191/mo

Deposit HK$449K · loan HK$4.04M · min. income ≈ HK$39,140/mo (50% DSR)

Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,299 · 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
3/F
Flat
M
Saleable Area
482 ft²
Gross Area
542 ft²
Efficiency
89%
District
Sha Tin District · New Territories East
School net (POA)
88

Transaction History

Date Price Gain / loss
2006-03-02 HK$1.21M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Tai Wai
≈ 7 min walk · 553 m
Education
38
schools within 1 km (21 within 500 m)
Daily convenience
24
within 1 km (7 within 500 m)
Health
1
hospitals/clinics within 1 km
Recreation
29
parks, libraries, sports within 1 km

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

Family-friendly — 38 schools within a 1 km walk.

Everyday convenience — 24 shopping and daily-needs spots nearby.

Healthcare close by — 1 hospital/clinics within 1 km.

Green space & leisure — 29 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com