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At today's rate and a 90% mortgage, the deposit on this unit is about HK$425K, with repayments around HK$18,526/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$425K · loan HK$3.82M · min. income ≈ HK$37,052/mo (50% DSR)
Upfront cash ≈ HK$474K (deposit + AVD stamp duty HK$49,579 · 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 Sheung Shui Station Station.
Family-friendly — 33 schools within a 1 km walk.
Everyday convenience — 25 shopping and daily-needs spots nearby.
Healthcare close by — 7 hospitals/clinics within 1 km.
Green space & leisure — 53 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 20/F
- Flat
- B
- Saleable Area
- 392 Saleable ft²
- Gross Area
- 536 ft²
- Efficiency
- 73%
- District
- North District · New Territories East
- School net (POA)
- 80
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2025-02-25 | HK$3.50M | −5.4% 8.7y · −1.0%/yr |
| 2016-06-07 | HK$3.70M | +85.0% 5.4y · 16.0%/yr |
| 2011-01-31 | HK$2.00M | +69.5% |
| 2007-10-15 | HK$1.18M | −44.9% |
| 1997-02-05 | HK$2.14M | — |