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At today's rate and a 90% mortgage, the deposit on this unit is about HK$488K, with repayments around HK$21,300/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$488K · loan HK$4.39M · min. income ≈ HK$42,600/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,827 · 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 6 min walk to Mass Transit Railway Po Lam Station Station.
Family-friendly — 33 schools within a 1 km walk.
Everyday convenience — 24 shopping and daily-needs spots nearby.
Healthcare close by — 2 hospitals/clinics within 1 km.
Green space & leisure — 23 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 15/F
- Flat
- D
- Saleable Area
- 354 Saleable ft²
- Gross Area
- 488 ft²
- Efficiency
- 73%
- District
- Tseung Kwan O (Sai Kung District) · Kowloon
- School net (POA)
- 95
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2019-10-21 | HK$5.70M | +39.7% 3.7y · 11.0%/yr |
| 2016-02-03 | HK$4.08M | +66.5% 4.3y · 15.0%/yr |
| 2011-09-26 | HK$2.45M | −12.5% |
| 1997-07-07 | HK$2.80M | +51.4% |
| 1996-02-09 | HK$1.85M | — |