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6/F E

in HOI TAK GARDENS BLOCK 3

Tuen Mun District · New Territories West

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Crescira AVM · estimated value Medium confidence
HK$2.99M
≈ HK$9,591 / 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$299K, with repayments around HK$13,052/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$12,282
−HK$770/mo
▼ 0.25% · 3.875%
HK$12,664
−HK$388/mo
Today · 4.125%
HK$13,052
baseline
▲ 0.50% · 4.625%
HK$13,846
+HK$794/mo

Deposit HK$299K · loan HK$2.69M · min. income ≈ HK$26,104/mo (50% DSR)

Upfront cash ≈ HK$299K (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
LR-Sam Shing
≈ 7 min walk · 551 m
Education
30
schools within 1 km (5 within 500 m)
Daily convenience
25
within 1 km (8 within 500 m)
Health
8
hospitals/clinics within 1 km
Recreation
29
parks, libraries, sports within 1 km

Excellent connectivity — about 7 min walk to LR-Sam Shing Station.

Family-friendly — 30 schools within a 1 km walk.

Everyday convenience — 25 shopping and daily-needs spots nearby.

Healthcare close by — 8 hospitals/clinics within 1 km.

Green space & leisure — 29 parks, libraries and sports venues nearby.

Location

Unit Information

Floor
6/F
Flat
E
Saleable Area
312 Saleable ft²
Gross Area
450 ft²
Efficiency
69%
District
Tuen Mun District · New Territories West
School net (POA)
71

Transaction History

Date Price Gain / loss
2025-07-28 HK$2.60M −31.6%
7.4y · −4.0%/yr
2018-02-15 HK$3.80M +60.3%
3.3y · 18.0%/yr
2014-11-24 HK$2.37M +76.9%
2012-02-22 HK$1.34M +71.8%
2008-04-29 HK$780K +21.9%
2007-12-11 HK$640K +0.0%
2002-04-11 HK$640K +8.5%
2001-05-22 HK$590K −61.7%
1997-04-19 HK$1.54M
Data sourced from Renavon.com