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4/F A

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$4.16M
≈ HK$7,413 / 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$416K, with repayments around HK$18,141/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$17,070
−HK$1,071/mo
▼ 0.25% · 3.875%
HK$17,601
−HK$540/mo
Today · 4.125%
HK$18,141
baseline
▲ 0.50% · 4.625%
HK$19,244
+HK$1,103/mo

Deposit HK$416K · loan HK$3.74M · min. income ≈ HK$36,282/mo (50% DSR)

Upfront cash ≈ HK$448K (deposit + AVD stamp duty HK$31,885 · 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
4/F
Flat
A
Saleable Area
561 Saleable ft²
Gross Area
823 ft²
Efficiency
68%
District
Tsuen Wan District · New Territories West
School net (POA)
62

Transaction History

Date Price Gain / loss
1999-04-10 HK$1.75M −31.4%
1997-01-06 HK$2.55M
Data sourced from Renavon.com