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At today's rate and a 90% mortgage, the deposit on this unit is about HK$781K, with repayments around HK$34,074/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$781K · loan HK$7.03M · min. income ≈ HK$68,148/mo (50% DSR)
Upfront cash ≈ HK$1.02M (deposit + AVD stamp duty HK$234,355 · 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
Excellent connectivity — about 4 min walk to Lai Chi Kok Station.
Family-friendly — 70 schools within a 1 km walk.
Everyday convenience — 90 shopping and daily-needs spots nearby.
Healthcare close by — 3 hospitals/clinics within 1 km.
Green space & leisure — 52 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 39/F
- Flat
- E
- Saleable Area
- 445 Saleable ft²
- Gross Area
- 635 ft²
- Efficiency
- 70%
- District
- Sham Shui Po District · Kowloon
- School net (POA)
- 40
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2021-06-02 | HK$8.45M | +40.8% 4.7y · 9.0%/yr |
| 2016-10-11 | HK$6.00M | +13.6% 3.1y · 5.0%/yr |
| 2013-08-26 | HK$5.28M | +70.9% |
| 2009-09-01 | HK$3.09M | +18.8% |
| 2006-03-04 | HK$2.60M | −3.7% |
| 2005-04-23 | HK$2.70M | +3.4% |
| 2004-07-16 | HK$2.61M | — |