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Home North District WAH MING ESTATE SHUN MING HOUSE (BLOCK 2)

23/F 20

in WAH MING ESTATE SHUN MING HOUSE (BLOCK 2)

North District · New Territories East

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Floor
2/F 4 212 ft² 3/F 16 264 ft² 3/F 24 443 ft² 4/F 27 147 ft² 4/F 8 150 ft² 5/F 10 443 ft² 5/F 22 485 ft² 5/F 24 443 ft² 7/F 24 443 ft² 7/F 5 264 ft² 8/F 2 443 ft² 8/F 21 485 ft² 8/F 24 443 ft² 8/F 30 443 ft² 8/F 31 443 ft² 10/F 14 443 ft² 10/F 24 443 ft² 11/F 19 11/F 22 485 ft² 12/F 10 443 ft² 12/F 12 485 ft² 12/F 16 263 ft² 12/F 27 147 ft² 13/F 12 485 ft² 13/F 28 263 ft² 14/F 25 150 ft² 14/F 28 264 ft² 14/F 5 264 ft² 15/F 16 264 ft² 15/F 17 264 ft² 15/F 19 443 ft² 15/F 27 147 ft² 15/F 4 212 ft² 16/F 14 443 ft² 16/F 19 443 ft² 16/F 24 443 ft² 17/F 20 443 ft² 18/F 12 485 ft² 18/F 17 264 ft² 18/F 18 212 ft² 20/F 1 381 ft² 20/F 27 147 ft² 20/F 7 164 ft² 21/F 14 443 ft² 21/F 23 443 ft² 22/F 6 147 ft² 23/F 20 443 ft² 23/F 31 443 ft² 23/F 9 443 ft² 24/F 21 485 ft² 24/F 24 443 ft² 24/F 9 443 ft² 25/F 23 443 ft² 25/F 24 443 ft² 26/F 28 264 ft² 27/F 30 443 ft² 29/F 27 147 ft² 30/F 17 264 ft² 30/F 19 443 ft² 30/F 4 212 ft² 31/F 16 264 ft² 31/F 27 147 ft² 32/F 30 443 ft² 32/F 4 212 ft² 33/F 20 443 ft² 34/F 24 443 ft²
Crescira AVM · estimated value ● Medium confidence
HK$2.14M
≈ HK$4,835 / ft² saleable · updated 2026-06-01
Not an offer or formal valuation
Fully appraised HIBOR 1M · 3.9% Prime · 6.125%

At today's rate and a 90% mortgage, the deposit on this unit is about HK$214K, with repayments around HK$9,342/mo for the first 5 years.

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Mortgage plan · rate basis
H-plan · HIBOR + 1.30%
5.2% → capped 4.125%
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
Term
▼ 0.50% · 3.625%
HK$8,791
−HK$551/mo
▼ 0.25% · 3.875%
HK$9,065
−HK$277/mo
Today · 4.125%
HK$9,342
baseline
▲ 0.50% · 4.625%
HK$9,911
+HK$569/mo

Deposit HK$214K · loan HK$1.93M · min. income ≈ HK$18,684/mo (50% DSR)

Upfront cash ≈ HK$214K (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).

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Mass Transit Railway Fanling Station
≈ 11 min walk · 852 m
Education
57
schools within 1 km (38 within 500 m)
Daily convenience
38
within 1 km (23 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
38
parks, libraries, sports within 1 km

Family-friendly — 57 schools within a 1 km walk.

Everyday convenience — 38 shopping and daily-needs spots nearby.

Green space & leisure — 38 parks, libraries and sports venues nearby.

Location

Unit Information

Floor
23/F
Flat
20
Saleable Area
443 Saleable ft²
Gross Area
571 ft²
Efficiency
78%
District
North District · New Territories East
School net (POA)
81

Transaction History

Date Price Gain / loss
2024-09-06 HK$2.06M +116.6%
2012-02-14 HK$950K —

Other appraised units in this building

2/F 4
212 ft²
HK$1.53M
3/F 16
264 ft²
HK$1.74M
3/F 24
443 ft²
HK$2.15M
4/F 27
147 ft²
HK$1.09M
4/F 8
150 ft²
HK$1.13M
5/F 10
443 ft²
HK$2.19M
Data sourced from Renavon.com