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10/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$4.10M
≈ HK$7,994 / 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$410K, with repayments around HK$17,888/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$16,832
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,356
−HK$532/mo
Today · 4.125%
HK$17,888
baseline
▲ 0.50% · 4.625%
HK$18,976
+HK$1,088/mo

Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,776/mo (50% DSR)

Upfront cash ≈ HK$430K (deposit + AVD stamp duty HK$20,290 · 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
10/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
2025-02-18 HK$3.83M +13.6%
12.4y · 1.0%/yr
2012-10-05 HK$3.37M +41.0%
2010-10-28 HK$2.39M +73.2%
2004-11-25 HK$1.38M +26.6%
2002-05-14 HK$1.09M
Data sourced from Renavon.com