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31/F H

in On Ning Garden Block 4

Sai Kung District · New Territories East

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Floor
1/F B 538 ft² 1/F J 465 ft² 2/F C 431 ft² 2/F E 583 ft² 3/F D 538 ft² 3/F B 538 ft² 4/F B 538 ft² 4/F G 465 ft² 4/F C 431 ft² 5/F B 538 ft² 5/F C 430 ft² 5/F H 431 ft² 6/F A 583 ft² 6/F D 538 ft² 6/F C 431 ft² 6/F G 465 ft² 7/F K 583 ft² 7/F G 465 ft² 8/F A 583 ft² 8/F D 538 ft² 8/F F 583 ft² 8/F K 583 ft² 8/F C 431 ft² 8/F E 583 ft² 8/F H 431 ft² 9/F F 583 ft² 9/F J 465 ft² 10/F H 431 ft² 10/F D 538 ft² 11/F J 465 ft² 11/F K 583 ft² 12/F A 583 ft² 12/F E 583 ft² 13/F G 465 ft² 14/F C 431 ft² 15/F J 465 ft² 15/F D 538 ft² 16/F H 431 ft² 18/F C 431 ft² 18/F E 583 ft² 18/F D 538 ft² 18/F G 465 ft² 19/F H 431 ft² 19/F A 583 ft² 20/F C 430 ft² 20/F H 431 ft² 20/F J 465 ft² 20/F K 583 ft² 20/F A 583 ft² 22/F F 583 ft² 22/F B 538 ft² 22/F D 538 ft² 23/F H 431 ft² 23/F K 583 ft² 23/F F 583 ft² 23/F G 465 ft² 24/F A 583 ft² 25/F A 583 ft² 25/F B 538 ft² 26/F C 431 ft² 26/F E 583 ft² 27/F B 538 ft² 28/F D 538 ft² 28/F F 583 ft² 28/F G 465 ft² 28/F K 583 ft² 29/F B 538 ft² 29/F H 431 ft² 29/F A 583 ft² 29/F D 538 ft² 29/F E 583 ft² 29/F G 465 ft² 29/F J 465 ft² 31/F H 430 ft² 31/F J 465 ft² 32/F E 583 ft² 32/F G 465 ft² 32/F J 465 ft² 33/F F 583 ft² 33/F H 430 ft² 33/F B 538 ft² 34/F C 431 ft² 34/F D 538 ft² 35/F F 583 ft² 35/F G 465 ft² 35/F H 431 ft² 35/F B 538 ft² 35/F E 583 ft² 35/F K 583 ft² 36/F A 583 ft² 36/F G 465 ft² 36/F D 538 ft² 36/F J 465 ft² 37/F C 431 ft² 37/F E 583 ft² 37/F J 465 ft² 38/F A 583 ft² 38/F B 538 ft² 38/F G 465 ft² 38/F K 583 ft² 38/F C 431 ft² 38/F E 583 ft² 39/F D 538 ft² 39/F F 583 ft² 39/F C 431 ft² 39/F J 465 ft² 39/F K 583 ft²
Crescira AVM · estimated value Medium confidence
HK$4.79M
≈ HK$11,149 / 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$479K, with repayments around HK$20,911/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$19,677
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,289
−HK$622/mo
Today · 4.125%
HK$20,911
baseline
▲ 0.50% · 4.625%
HK$22,184
+HK$1,273/mo

Deposit HK$479K · loan HK$4.31M · min. income ≈ HK$41,822/mo (50% DSR)

Upfront cash ≈ HK$576K (deposit + AVD stamp duty HK$96,910 · 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
31/F
Flat
H
Saleable Area
430 ft²
Gross Area
510 ft²
Efficiency
84%
District
Sai Kung District · New Territories East
School net (POA)
95

Transaction History

Date Price Gain / loss
1999-10-07 HK$1.04M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Hang Hau
≈ 2 min walk · 153 m
Education
52
schools within 1 km (21 within 500 m)
Daily convenience
45
within 1 km (11 within 500 m)
Health
6
hospitals/clinics within 1 km
Recreation
31
parks, libraries, sports within 1 km

Excellent connectivity — about 2 min walk to Hang Hau Station (a rail station within an 8-min walk earns this label).

Family-friendly — 52 schools within a 1 km walk.

Everyday convenience — 45 shopping and daily-needs spots nearby.

Healthcare close by — 6 hospitals/clinics within 1 km.

Green space & leisure — 31 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com