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At today's rate and a 90% mortgage, the deposit on this unit is about HK$430K, with repayments around HK$18,774/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$430K · loan HK$3.87M · min. income ≈ HK$37,548/mo (50% DSR)
Upfront cash ≈ HK$491K (deposit + AVD stamp duty HK$60,924 · 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
- 5/F
- Flat
- D
- Saleable Area
- 441 Saleable ft²
- Gross Area
- 572 ft²
- Efficiency
- 77%
- District
- North District · New Territories East
- School net (POA)
- 81
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2019-11-28 | HK$5.71M | +42.3% 3.2y · 13.0%/yr |
| 2016-08-31 | HK$4.01M | +82.3% 4.2y · 19.0%/yr |
| 2012-06-05 | HK$2.20M | +111.5% |
| 2004-11-26 | HK$1.04M | +4.0% |
| 2004-10-25 | HK$1.00M | +11.1% |
| 2004-09-13 | HK$900K | −53.4% |
| 1995-12-01 | HK$1.93M | — |