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12/F E

in Golden Court

Sham Shui Po District · Kowloon

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Crescira AVM · estimated value Medium confidence
HK$4.21M
≈ HK$12,801 / 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$421K, with repayments around HK$18,370/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$17,286
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$17,824
−HK$546/mo
Today · 4.125%
HK$18,370
baseline
▲ 0.50% · 4.625%
HK$19,488
+HK$1,118/mo

Deposit HK$421K · loan HK$3.79M · min. income ≈ HK$36,740/mo (50% DSR)

Upfront cash ≈ HK$464K (deposit + AVD stamp duty HK$42,420 · 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 Sham Shui Po Station
≈ 2 min walk · 153 m
Education
85
schools within 1 km (23 within 500 m)
Daily convenience
72
within 1 km (24 within 500 m)
Health
14
hospitals/clinics within 1 km
Recreation
73
parks, libraries, sports within 1 km

Excellent connectivity — about 2 min walk to Mass Transit Railway Sham Shui Po Station Station.

Family-friendly — 85 schools within a 1 km walk.

Everyday convenience — 72 shopping and daily-needs spots nearby.

Healthcare close by — 14 hospitals/clinics within 1 km.

Green space & leisure — 73 parks, libraries and sports venues nearby.

Location

Unit Information

Floor
12/F
Flat
E
Saleable Area
329 Saleable ft²
Gross Area
438 ft²
Efficiency
75%
District
Sham Shui Po District · Kowloon
School net (POA)
40

Transaction History

Date Price Gain / loss
2020-05-20 HK$5.40M +28.6%
3.5y · 8.0%/yr
2016-12-28 HK$4.20M +67.3%
19.4y · 4.0%/yr
1997-08-13 HK$2.51M +16.7%
1997-06-02 HK$2.15M +18.8%
1996-07-13 HK$1.81M
Data sourced from Renavon.com