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At today's rate and a 90% mortgage, the deposit on this unit is about HK$461K, with repayments around HK$20,125/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$461K · loan HK$4.15M · min. income ≈ HK$40,250/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,888 · 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 7 min walk to Mass Transit Railway Shek Mun Station Station.
Family-friendly — 32 schools within a 1 km walk.
Everyday convenience — 31 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
- 12/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 |
|---|---|---|
| 2020-04-20 | HK$5.70M | +79.2% 3.8y · 21.0%/yr |
| 2016-07-12 | HK$3.18M | +40.1% 4.3y · 9.0%/yr |
| 2012-03-13 | HK$2.27M | +33.5% |
| 2010-04-13 | HK$1.70M | +3.0% |
| 2008-01-29 | HK$1.65M | +31.0% |
| 2006-02-10 | HK$1.26M | — |