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11/F E

in Kwai Dao (Do) Building

Kwai Tsing District · New Territories West

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Crescira AVM · estimated value ● Medium confidence
HK$2.88M
≈ HK$8,123 / ft² saleable · updated 2026-10-01
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$288K, with repayments around HK$12,578/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$11,835
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,204
−HK$374/mo
Today · 4.125%
HK$12,578
baseline
▲ 0.50% · 4.625%
HK$13,343
+HK$765/mo

Deposit HK$288K · loan HK$2.60M · min. income ≈ HK$25,156/mo (50% DSR)

Upfront cash ≈ HK$288K (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).

Unit Information

Floor
11/F
Flat
E
Saleable Area
355 ft²
Gross Area
497 ft²
Efficiency
71%
District
Kwai Tsing District · New Territories West
School net (POA)
64

Transaction History

Date Price Gain / loss
2013-02-08 HK$2.18M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Kwai Hing
≈ 11 min walk · 863 m
Education
34
schools within 1 km (15 within 500 m)
Daily convenience
31
within 1 km (12 within 500 m)
Health
1
hospitals/clinics within 1 km
Recreation
49
parks, libraries, sports within 1 km

Family-friendly — 34 schools within a 1 km walk.

Everyday convenience — 31 shopping and daily-needs spots nearby.

Healthcare close by — 1 hospital/clinics within 1 km.

Green space & leisure — 49 parks, libraries and sports venues nearby.

Location

Other appraised units in this building