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20/F 13

in Shan Lai Court Block F

North District · New Territories East

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Crescira AVM · estimated value ● Medium confidence
HK$2.86M
≈ HK$7,421 / 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$286K, with repayments around HK$12,462/mo for the first 5 years.

Open full planner → Compare mortgage offers →
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$11,727
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,092
−HK$370/mo
Today · 4.125%
HK$12,462
baseline
▲ 0.50% · 4.625%
HK$13,220
+HK$758/mo

Deposit HK$286K · loan HK$2.57M · min. income ≈ HK$24,924/mo (50% DSR)

Upfront cash ≈ HK$286K (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
20/F
Flat
13
Saleable Area
385 ft²
District
North District · New Territories East
School net (POA)
81

Transaction History

Date Price Gain / loss
2022-01-13 HK$2.08M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Fanling
≈ 33 min walk · 2,582 m
(quite far — consider other transport options)
Education
5
schools within 1 km (3 within 500 m)
Daily convenience
3
within 1 km (3 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
6
parks, libraries, sports within 1 km

Family-friendly — 5 schools within a 1 km walk.

Everyday convenience — 3 shopping and daily-needs spots nearby.

Green space & leisure — 6 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

2/F 6
447 ft²
HK$3.23M
7/F 1
384 ft²
HK$2.71M
8/F 15
376 ft²
HK$2.66M
9/F 10
283 ft²
HK$2.00M
10/F 7
283 ft²
HK$2.00M
16/F 3
385 ft²
HK$2.89M
Data sourced from Renavon.com