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5/F B

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$3.90M
≈ HK$7,596 / 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$390K, with repayments around HK$16,997/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$15,994
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,491
−HK$506/mo
Today · 4.125%
HK$16,997
baseline
▲ 0.50% · 4.625%
HK$18,031
+HK$1,034/mo

Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$33,994/mo (50% DSR)

Upfront cash ≈ HK$390K (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
5/F
Flat
B
Saleable Area
513 Saleable ft²
Gross Area
775 ft²
Efficiency
66%
District
Tsuen Wan District · New Territories West
School net (POA)
62

Transaction History

Date Price Gain / loss
2020-05-28 HK$5.44M +26.5%
3.7y · 7.0%/yr
2016-08-17 HK$4.30M +60.4%
4.3y · 14.0%/yr
2012-05-04 HK$2.68M +17.5%
2010-06-15 HK$2.28M +26.7%
2009-09-16 HK$1.80M −50.3%
1997-04-29 HK$3.62M +60.9%
1996-11-23 HK$2.25M
Data sourced from Renavon.com