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10/F D

in HONG KONG GARDEN PHASE 3 BLOCK 16

Tsuen Wan District · New Territories West

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Crescira AVM · estimated value Medium confidence
HK$8.09M
≈ HK$8,646 / 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$809K, with repayments around HK$35,298/mo for the first 5 years.

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$33,215
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$34,248
−HK$1,050/mo
Today · 4.125%
HK$35,298
baseline
▲ 0.50% · 4.625%
HK$37,446
+HK$2,148/mo

Deposit HK$809K · loan HK$7.28M · min. income ≈ HK$70,596/mo (50% DSR)

Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$242,774 · 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
Mass Transit Railway Sunny Bay Station
≈ 46 min walk · 3,609 m
Education
0
schools within 1 km (0 within 500 m)
Daily convenience
2
within 1 km (2 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
2
parks, libraries, sports within 1 km

Location

Unit Information

Floor
10/F
Flat
D
Saleable Area
936 Saleable ft²
Gross Area
1,328 ft²
Efficiency
70%
District
Tsuen Wan District · New Territories West
School net (POA)
62

Transaction History

Date Price Gain / loss
2004-06-16 HK$2.58M −23.0%
1998-11-23 HK$3.35M
Data sourced from Renavon.com