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At today's rate and a 90% mortgage, the deposit on this unit is about HK$448K, with repayments around HK$19,560/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$448K · loan HK$4.04M · min. income ≈ HK$39,120/mo (50% DSR)
Upfront cash ≈ HK$516K (deposit + AVD stamp duty HK$67,264 · 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 Shek Mun Station Station.
Family-friendly — 27 schools within a 1 km walk.
Everyday convenience — 29 shopping and daily-needs spots nearby.
Healthcare close by — 6 hospitals/clinics within 1 km.
Green space & leisure — 28 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 21/F
- Flat
- C
- Saleable Area
- 327 Saleable ft²
- Gross Area
- 395 ft²
- Efficiency
- 83%
- District
- Sha Tin District · New Territories East
- School net (POA)
- 91
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2018-10-30 | HK$6.50M | +32.4% 1.1y · 29.0%/yr |
| 2017-09-19 | HK$4.91M | +166.8% 7.7y · 22.0%/yr |
| 2010-01-05 | HK$1.84M | +8.2% |
| 2009-09-03 | HK$1.70M | +28.8% |
| 2007-06-30 | HK$1.32M | +14.8% |
| 1998-11-04 | HK$1.15M | — |