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3/F 1

in Hong Shing Building

Yuen Long District · New Territories West

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Crescira AVM · estimated value Medium confidence
HK$2.58M
≈ HK$7,870 / ft² saleable · updated 2026-08-01
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$258K, with repayments around HK$11,259/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$10,595
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,924
−HK$335/mo
Today · 4.125%
HK$11,259
baseline
▲ 0.50% · 4.625%
HK$11,944
+HK$685/mo

Deposit HK$258K · loan HK$2.32M · min. income ≈ HK$22,518/mo (50% DSR)

Upfront cash ≈ HK$258K (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
3/F
Flat
1
Saleable Area
328 ft²
Gross Area
440 ft²
Efficiency
75%
District
Yuen Long District · New Territories West
School net (POA)
73

Transaction History

Date Price Gain / loss
2021-11-30 HK$3.50M +32.3%
5.2y
2016-09-21 HK$2.65M +35.6%
3.6y
2013-02-26 HK$1.95M +82.2%
2010-12-22 HK$1.07M +52.9%
2009-11-26 HK$700K +34.6%
2009-09-29 HK$520K

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Fung Nin Road (Light Rail)
≈ 2 min walk · 154 m
Education
54
schools within 1 km (26 within 500 m)
Daily convenience
49
within 1 km (22 within 500 m)
Health
11
hospitals/clinics within 1 km
Recreation
47
parks, libraries, sports within 1 km

Excellent connectivity — about 2 min walk to Fung Nin Road Light Rail stop (a rail stop within an 8-min walk earns this label).

Family-friendly — 54 schools within a 1 km walk.

Everyday convenience — 49 shopping and daily-needs spots nearby.

Healthcare close by — 11 hospitals/clinics within 1 km.

Green space & leisure — 47 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com