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5/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$4.22M
≈ HK$7,517 / ft² saleable · updated 2026-08-01
Not an offer or formal valuation

Mortgage Intelligence

Fully appraised HIBOR 1M · 3.9% Prime · 6.125%

Typical HK bank rates as of July 2026 — this site has no live rate feed; check current HIBOR and Prime with your bank.

At today's rate and a 90% mortgage, the deposit on this unit is about HK$422K, with repayments around HK$18,393/mo for the first 5 years.

Mortgage plan · rate basis
H-plan · HIBOR + 1.30%
5.2% → capped 4.125%
Prime Rate (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 90%
Term
▼ 0.50% · 3.625%
HK$17,308
−HK$1,085/mo
▼ 0.25% · 3.875%
HK$17,846
−HK$547/mo
Today · 4.125%
HK$18,393
baseline
▲ 0.50% · 4.625%
HK$19,513
+HK$1,120/mo

Deposit HK$422K · loan HK$3.80M · min. income ≈ HK$36,786/mo (50% DSR)

Upfront cash ≈ HK$465K (deposit + AVD stamp duty HK$43,473 · 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).

Unit Information

Floor
5/F
Flat
A
Saleable Area
561 ft²
Gross Area
823 ft²
Efficiency
68%
District
Tsuen Wan District · New Territories West
School net (POA)
62

Transaction History

Date Price Gain / loss
2023-08-11 HK$5.13M +193.1%
14.2y
2009-05-26 HK$1.75M +19.9%
4.1y
2005-05-13 HK$1.46M +8.1%
4.3y
2001-01-17 HK$1.35M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sunny Bay
≈ 46 min walk · 3,671 m
(quite far — consider other transport options)
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

Other appraised units in this building

Data sourced from Renavon.com