Skip to content

13/F E

in HONG KONG GARDEN PHASE 1 BLOCK 3

Tsuen Wan District · New Territories West

Switch unit
Crescira AVM · estimated value Medium confidence
HK$3.59M
≈ HK$9,613 / 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$359K, with repayments around HK$15,641/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$14,718
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,176
−HK$465/mo
Today · 4.125%
HK$15,641
baseline
▲ 0.50% · 4.625%
HK$16,592
+HK$951/mo

Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,282/mo (50% DSR)

Upfront cash ≈ HK$359K (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 · 3,641 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
13/F
Flat
E
Saleable Area
373 Saleable ft²
Gross Area
563 ft²
Efficiency
66%
District
Tsuen Wan District · New Territories West
School net (POA)
62

Transaction History

Date Price Gain / loss
1997-06-18 HK$2.35M +19.9%
1997-02-22 HK$1.96M +8.9%
1997-01-31 HK$1.80M
Data sourced from Renavon.com