Home Yau Tsim Mong District Ngai Hing Mansion

4/F NO. 5 (FLAT 15)

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Estimate Mortgage & QoL Unit Information Transaction History

Crescira AVM · estimated value ● Medium confidence

HK$4.36M

≈ HK$6,828 / 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$19,003/mo for the first 5 years.

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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$17,881

−HK$1,122/mo

▼ 0.25% · 3.875%

HK$18,438

−HK$565/mo

Today · 4.125%

HK$19,003

baseline

▲ 0.50% · 4.625%

HK$20,159

+HK$1,156/mo

Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,006/mo (50% DSR)

Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,349 · 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 Mong Kok Station

≈ 6 min walk · 421 m

Education

schools within 1 km (24 within 500 m)

Daily convenience

168

within 1 km (85 within 500 m)

Health

hospitals/clinics within 1 km

Recreation

114

parks, libraries, sports within 1 km

Excellent connectivity — about 6 min walk to Mass Transit Railway Mong Kok Station Station.

Family-friendly — 98 schools within a 1 km walk.

Everyday convenience — 168 shopping and daily-needs spots nearby.

Healthcare close by — 19 hospitals/clinics within 1 km.

Green space & leisure — 114 parks, libraries and sports venues nearby.

Location

Unit Information

Floor: 4/F
Flat: NO. 5 (FLAT 15)
Saleable Area: 638 Saleable ft²
Gross Area: 650 ft²
Efficiency: 98%
District: Yau Tsim Mong District · Kowloon
School net (POA): 32

Transaction History

Date	Price	Gain / loss	$/ft²	$/ft² gross
2009-06-19	HK$2.15M	+8.6%	HK$3,370	HK$3,308
2009-04-27	HK$1.98M	+4.2%	HK$3,103	HK$3,046
2007-06-07	HK$1.90M	−23.4%	HK$2,978	HK$2,923
2006-01-07	HK$2.48M	+64.2%	HK$3,887	HK$3,815
2005-05-14	HK$1.51M	+28.0%	HK$2,367	HK$2,323
2004-05-14	HK$1.18M	+11.3%	HK$1,850	HK$1,815
2004-03-29	HK$1.06M	+30.9%	HK$1,661	HK$1,631
2004-01-29	HK$810K	−17.3%	HK$1,270	HK$1,246
2002-11-04	HK$980K	+32.4%	HK$1,536	HK$1,508
2002-09-05	HK$740K	−56.5%	HK$1,160	HK$1,138
1997-07-12	HK$1.70M	−0.6%	HK$2,665	HK$2,615
1996-10-29	HK$1.71M	—	HK$2,680	HK$2,631