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At today's rate and a 90% mortgage, the deposit on this unit is about HK$427K, with repayments around HK$18,642/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$427K · loan HK$3.85M · min. income ≈ HK$37,284/mo (50% DSR)
Upfront cash ≈ HK$482K (deposit + AVD stamp duty HK$54,890 · 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
- 22/F
- Flat
- G
- Saleable Area
- 400 Saleable ft²
- Gross Area
- 518 ft²
- Efficiency
- 77%
- District
- North District · New Territories East
- School net (POA)
- 81
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2024-09-27 | HK$3.66M | −29.3% 4.2y · −7.0%/yr |
| 2020-07-24 | HK$5.18M | +46.4% 3.9y · 12.0%/yr |
| 2016-09-09 | HK$3.54M | +151.0% 17.6y · 9.0%/yr |
| 1999-02-19 | HK$1.41M | −22.5% |
| 1995-12-04 | HK$1.82M | — |