Home Tuen Mun District EMERALD BAY PHASE 2 TOWER 5

20/F J

Tuen Mun District · New Territories West

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G/F A 301 ft² G/F B G/F C 286 ft² G/F D 286 ft² G/F E 288 ft² G/F F 206 ft² G/F G 328 ft² G/F H 292 ft² G/F J 201 ft² G/F K 299 ft² G/F L 209 ft² G/F M 201 ft² G/F N 202 ft² G/F P 208 ft² 1/F A 319 ft² 1/F B 310 ft² 1/F C 308 ft² 1/F D 308 ft² 1/F E 310 ft² 1/F F 227 ft² 1/F G 350 ft² 1/F H 314 ft² 1/F J 223 ft² 1/F K 319 ft² 1/F L 319 ft² 1/F M 222 ft² 1/F N 223 ft² 1/F P 223 ft² 1/F Q 233 ft² 2/F A 319 ft² 2/F B 310 ft² 2/F C 308 ft² 2/F D 308 ft² 2/F E 310 ft² 2/F F 227 ft² 2/F G 350 ft² 2/F H 314 ft² 2/F J 223 ft² 2/F K 319 ft² 2/F L 319 ft² 2/F M 222 ft² 2/F N 223 ft² 2/F P 223 ft² 2/F Q 233 ft² 3/F A 319 ft² 3/F B 310 ft² 3/F C 308 ft² 3/F D 308 ft² 3/F E 310 ft² 3/F F 227 ft² 3/F G 350 ft² 3/F H 314 ft² 3/F J 223 ft² 3/F K 319 ft² 3/F L 319 ft² 3/F M 222 ft² 3/F N 223 ft² 3/F P 223 ft² 3/F Q 233 ft² 5/F A 319 ft² 5/F B 310 ft² 5/F C 308 ft² 5/F D 308 ft² 5/F E 310 ft² 5/F F 227 ft² 5/F G 350 ft² 5/F H 314 ft² 5/F J 223 ft² 5/F K 319 ft² 5/F L 319 ft² 5/F M 222 ft² 5/F N 223 ft² 5/F P 223 ft² 5/F Q 233 ft² 6/F A 319 ft² 6/F B 310 ft² 6/F C 308 ft² 6/F D 308 ft² 6/F E 310 ft² 6/F F 227 ft² 6/F G 350 ft² 6/F H 314 ft² 6/F J 223 ft² 6/F K 319 ft² 6/F L 319 ft² 6/F M 222 ft² 6/F N 223 ft² 6/F P 223 ft² 6/F Q 233 ft² 7/F A 319 ft² 7/F B 310 ft² 7/F C 308 ft² 7/F D 308 ft² 7/F E 310 ft² 7/F F 227 ft² 7/F G 350 ft² 7/F H 314 ft² 7/F J 223 ft² 7/F K 319 ft² 7/F L 319 ft² 7/F M 222 ft² 7/F N 223 ft² 7/F P 223 ft² 7/F Q 233 ft² 8/F A 319 ft² 8/F B 310 ft² 8/F C 308 ft² 8/F D 308 ft² 8/F E 310 ft² 8/F F 227 ft² 8/F G 350 ft² 8/F H 314 ft² 8/F J 223 ft² 8/F K 320 ft² 8/F L 320 ft² 8/F M 222 ft² 8/F N 223 ft² 8/F P 223 ft² 8/F Q 233 ft² 9/F A 319 ft² 9/F B 310 ft² 9/F C 308 ft² 9/F D 308 ft² 9/F E 310 ft² 9/F F 227 ft² 9/F G 350 ft² 9/F H 314 ft² 9/F J 223 ft² 9/F K 319 ft² 9/F L 319 ft² 9/F M 222 ft² 9/F N 223 ft² 9/F P 223 ft² 9/F Q 233 ft² 10/F A 319 ft² 10/F B 310 ft² 10/F C 308 ft² 10/F D 308 ft² 10/F E 310 ft² 10/F F 227 ft² 10/F G 350 ft² 10/F H 314 ft² 10/F J 223 ft² 10/F K 319 ft² 10/F L 319 ft² 10/F M 222 ft² 10/F N 223 ft² 10/F P 223 ft² 10/F Q 233 ft² 11/F A 319 ft² 11/F B 310 ft² 11/F C 308 ft² 11/F D 308 ft² 11/F E 310 ft² 11/F F 227 ft² 11/F G 350 ft² 11/F H 314 ft² 11/F J 223 ft² 11/F K 319 ft² 11/F L 319 ft² 11/F M 222 ft² 11/F N 223 ft² 11/F P 223 ft² 11/F Q 233 ft² 12/F A 319 ft² 12/F B 310 ft² 12/F C 308 ft² 12/F D 308 ft² 12/F E 310 ft² 12/F F 227 ft² 12/F G 350 ft² 12/F H 314 ft² 12/F J 223 ft² 12/F K 319 ft² 12/F L 319 ft² 12/F M 222 ft² 12/F N 223 ft² 12/F P 223 ft² 12/F Q 233 ft² 15/F A 319 ft² 15/F B 310 ft² 15/F C 308 ft² 15/F D 308 ft² 15/F E 310 ft² 15/F F 227 ft² 15/F G 350 ft² 15/F H 314 ft² 15/F J 223 ft² 15/F K 319 ft² 15/F L 319 ft² 15/F M 222 ft² 15/F N 223 ft² 15/F P 223 ft² 15/F Q 233 ft² 16/F A 319 ft² 16/F B 310 ft² 16/F C 308 ft² 16/F D 308 ft² 16/F E 310 ft² 16/F F 227 ft² 16/F G 350 ft² 16/F J 223 ft² 16/F K 319 ft² 16/F L 319 ft² 16/F M 222 ft² 16/F N 223 ft² 16/F P 223 ft² 16/F Q 233 ft² 16/F H 313 ft² 17/F A 319 ft² 17/F B 310 ft² 17/F C 308 ft² 17/F D 308 ft² 17/F E 310 ft² 17/F F 227 ft² 17/F G 350 ft² 17/F H 314 ft² 17/F J 223 ft² 17/F K 319 ft² 17/F L 319 ft² 17/F M 222 ft² 17/F N 223 ft² 17/F Q 233 ft² 17/F P 223 ft² 18/F A 319 ft² 18/F B 310 ft² 18/F C 308 ft² 18/F D 308 ft² 18/F E 310 ft² 18/F F 227 ft² 18/F G 350 ft² 18/F H 314 ft² 18/F J 223 ft² 18/F K 320 ft² 18/F L 319 ft² 18/F M 222 ft² 18/F N 223 ft² 18/F P 223 ft² 18/F Q 233 ft² 19/F A 319 ft² 19/F B 310 ft² 19/F C 308 ft² 19/F D 308 ft² 19/F E 310 ft² 19/F F 227 ft² 19/F G 350 ft² 19/F H 314 ft² 19/F J 223 ft² 19/F K 319 ft² 19/F L 319 ft² 19/F M 222 ft² 19/F N 223 ft² 19/F P 223 ft² 19/F Q 233 ft² 20/F A 319 ft² 20/F B 310 ft² 20/F C 308 ft² 20/F D 308 ft² 20/F E 310 ft² 20/F F 227 ft² 20/F G 350 ft² 20/F H 314 ft² 20/F J 223 ft² 20/F K 319 ft² 20/F M 222 ft² 20/F N 223 ft² 20/F P 223 ft² 20/F Q 233 ft² 21/F A 319 ft² 21/F B 310 ft² 21/F C 308 ft² 21/F D 308 ft² 21/F E 310 ft² 21/F F 227 ft² 21/F G 350 ft² 21/F H 313 ft² 21/F J 223 ft² 21/F K 319 ft² 21/F M 222 ft² 21/F N 223 ft² 21/F P 223 ft² 21/F Q 233 ft² 22/F A 319 ft² 22/F B 310 ft² 22/F C 308 ft² 22/F D 308 ft² 22/F E 310 ft² 22/F F 227 ft² 22/F G 350 ft² 22/F H 314 ft² 22/F J 223 ft² 22/F M 222 ft² 22/F N 223 ft² 22/F P 223 ft² 22/F Q 233 ft²

Estimate Mortgage & QoL Unit Information Transaction History

Crescira AVM · estimated value ● Medium confidence

HK$2.56M

≈ HK$11,460 / 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$256K, with repayments around HK$11,148/mo for the first 5 years.

Open full planner → Compare mortgage offers →

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$10,490

−HK$658/mo

▼ 0.25% · 3.875%

HK$10,816

−HK$332/mo

Today · 4.125%

HK$11,148

baseline

▲ 0.50% · 4.625%

HK$11,826

+HK$678/mo

Deposit HK$256K · loan HK$2.30M · min. income ≈ HK$22,296/mo (50% DSR)

Upfront cash ≈ HK$256K (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

LR-Sam Shing

≈ 34 min walk · 2,649 m

Education

schools within 1 km (3 within 500 m)

Daily convenience

within 1 km (0 within 500 m)

Health

hospitals/clinics within 1 km

Recreation

parks, libraries, sports within 1 km

Family-friendly — 6 schools within a 1 km walk.

Everyday convenience — 4 shopping and daily-needs spots nearby.

Green space & leisure — 4 parks, libraries and sports venues nearby.

Location

Unit Information

Floor: 20/F
Flat: J
Saleable Area: 223 Saleable ft²
District: Tuen Mun District · New Territories West
School net (POA): 71

Transaction History

Date	Price	Gain / loss	$/ft²	$/ft² gross
2025-03-14	HK$1.85M	−56.0% 4.8y · −12.0%/yr	HK$8,296	—
2020-06-17	HK$4.20M	—	HK$18,852	—

Other appraised units in this building

Data sourced from Renavon.com