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At today's rate and a 90% mortgage, the deposit on this unit is about HK$452K, with repayments around HK$19,711/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$452K · loan HK$4.07M · min. income ≈ HK$39,422/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,402 · 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 8 min walk to Mass Transit Railway Fanling Station Station.
Family-friendly — 38 schools within a 1 km walk.
Everyday convenience — 29 shopping and daily-needs spots nearby.
Healthcare close by — 4 hospitals/clinics within 1 km.
Green space & leisure — 29 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 12/F
- Flat
- C
- Saleable Area
- 441 Saleable ft²
- Gross Area
- 568 ft²
- Efficiency
- 78%
- District
- North District · New Territories East
- School net (POA)
- 81
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2021-10-05 | HK$5.98M | +7.6% 3.3y · 2.0%/yr |
| 2018-05-30 | HK$5.56M | +334.4% 10.5y · 32.0%/yr |
| 2007-12-28 | HK$1.28M | +13.3% |
| 2005-05-26 | HK$1.13M | −7.4% |
| 2001-07-18 | HK$1.22M | −34.4% |
| 1995-10-11 | HK$1.86M | — |