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6/F B

in HONG KONG GARDEN PHASE 1 BLOCK 3

Tsuen Wan District · New Territories West

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Crescira AVM · estimated value Medium confidence
HK$4.36M
≈ HK$8,493 / 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$436K, with repayments around HK$19,004/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$17,882
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,439
−HK$565/mo
Today · 4.125%
HK$19,004
baseline
▲ 0.50% · 4.625%
HK$20,160
+HK$1,156/mo

Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,008/mo (50% DSR)

Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,353 · 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 · 3,641 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
6/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
2020-07-24 HK$5.85M +148.9%
9.9y · 15.0%/yr
2010-09-06 HK$2.35M −38.8%
1997-08-07 HK$3.84M +56.1%
1997-01-04 HK$2.46M +28.8%
1996-05-31 HK$1.91M
Data sourced from Renavon.com