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3/F F

in HONG KONG GARDEN PHASE 1 BLOCK 4

Tsuen Wan District · New Territories West

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Crescira AVM · estimated value Medium confidence
HK$3.11M
≈ HK$8,538 / 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$311K, with repayments around HK$13,556/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$12,756
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,153
−HK$403/mo
Today · 4.125%
HK$13,556
baseline
▲ 0.50% · 4.625%
HK$14,381
+HK$825/mo

Deposit HK$311K · loan HK$2.80M · min. income ≈ HK$27,112/mo (50% DSR)

Upfront cash ≈ HK$311K (deposit + AVD stamp duty HK$100 · 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 · 3,661 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
3/F
Flat
F
Saleable Area
364 Saleable ft²
Gross Area
563 ft²
Efficiency
65%
District
Tsuen Wan District · New Territories West
School net (POA)
62

Transaction History

Date Price Gain / loss
2021-08-03 HK$4.58M +2.2%
3.0y · 1.0%/yr
2018-07-18 HK$4.48M +403.4%
12.9y · 31.0%/yr
2005-08-09 HK$890K +8.5%
2005-04-27 HK$820K +9.3%
2005-04-21 HK$750K +33.9%
2003-10-31 HK$560K −42.9%
2000-11-04 HK$980K −17.6%
1996-05-20 HK$1.19M
Data sourced from Renavon.com