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20/F A

in HONG KONG GARDEN PHASE 3 BLOCK 18

Tsuen Wan District · New Territories West

Switch unit
Floor
1/F A 947 ft² 1/F B 792 ft² 1/F C 792 ft² 1/F D 947 ft² 2/F A 947 ft² 2/F B 792 ft² 2/F C 802 ft² 2/F D 947 ft² 3/F A 947 ft² 3/F B 792 ft² 3/F C 792 ft² 3/F D 947 ft² 4/F A 947 ft² 4/F B 792 ft² 4/F C 792 ft² 4/F D 947 ft² 5/F A 947 ft² 5/F B 792 ft² 5/F C 792 ft² 5/F D 947 ft² 6/F A 947 ft² 6/F B 792 ft² 6/F C 792 ft² 6/F D 937 ft² 7/F C 802 ft² 7/F D 947 ft² 8/F A 947 ft² 8/F B 792 ft² 8/F C 792 ft² 8/F D 947 ft² 9/F A 947 ft² 9/F B 792 ft² 9/F C 792 ft² 10/F A 947 ft² 10/F C 792 ft² 10/F D 947 ft² 11/F A 947 ft² 11/F B 802 ft² 11/F C 802 ft² 12/F A 947 ft² 12/F B 792 ft² 12/F C 792 ft² 12/F D 937 ft² 13/F A 947 ft² 13/F C 802 ft² 13/F D 947 ft² 14/F A 947 ft² 14/F B 792 ft² 14/F C 792 ft² 14/F D 937 ft² 15/F A 947 ft² 15/F B 792 ft² 15/F C 792 ft² 15/F D 947 ft² 16/F A 947 ft² 16/F B 792 ft² 16/F C 792 ft² 16/F D 937 ft² 17/F A 947 ft² 17/F B 792 ft² 17/F C 802 ft² 18/F A 947 ft² 18/F B 802 ft² 18/F C 802 ft² 18/F D 947 ft² 19/F A 947 ft² 19/F B 802 ft² 19/F C 792 ft² 19/F D 947 ft² 20/F A 947 ft² 20/F B 792 ft² 20/F C 792 ft² 20/F D 947 ft² 21/F A 947 ft² 21/F B 792 ft² 21/F D 947 ft² 22/F A 947 ft² 22/F B 792 ft² 22/F C 792 ft² 23/F A 947 ft² 23/F B 792 ft² 23/F D 947 ft² 24/F A 947 ft² 24/F B 802 ft² 24/F D 947 ft² 25/F A 947 ft² 25/F B 802 ft² 25/F D 947 ft² 26/F A 947 ft² 26/F C 792 ft² 26/F D 947 ft² 27/F C 792 ft² 28/F A 947 ft² 28/F B 792 ft² 28/F C 792 ft² 28/F D 947 ft² 29/F A 947 ft² 29/F B 792 ft² 29/F C 792 ft² 29/F D 947 ft²
Crescira AVM · estimated value Medium confidence
HK$7.13M
≈ HK$7,532 / 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$713K, with repayments around HK$31,110/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$29,274
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$30,185
−HK$925/mo
Today · 4.125%
HK$31,110
baseline
▲ 0.50% · 4.625%
HK$33,003
+HK$1,893/mo

Deposit HK$713K · loan HK$6.42M · min. income ≈ HK$62,220/mo (50% DSR)

Upfront cash ≈ HK$927K (deposit + AVD stamp duty HK$213,971 · 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
≈ 45 min walk · 3,568 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
20/F
Flat
A
Saleable Area
947 Saleable ft²
Gross Area
1,328 ft²
Efficiency
71%
District
Tsuen Wan District · New Territories West
School net (POA)
62

Transaction History

Date Price Gain / loss
2018-04-20 HK$8.50M +80.9%
6.8y · 12.0%/yr
2011-06-29 HK$4.70M
Data sourced from Renavon.com