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At today's rate and a 90% mortgage, the deposit on this unit is about HK$451K, with repayments around HK$19,685/mo for the first 5 years.
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%.
Deposit HK$451K · loan HK$4.06M · min. income ≈ HK$39,370/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,794 · 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).
of income on repayments ·
QoL Matrix
Excellent connectivity — about 6 min walk to Mass Transit Railway Sheung Shui Station Station.
Family-friendly — 38 schools within a 1 km walk.
Everyday convenience — 32 shopping and daily-needs spots nearby.
Healthcare close by — 18 hospitals/clinics within 1 km.
Green space & leisure — 53 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 13/F
- Flat
- F
- Saleable Area
- 391 Saleable ft²
- Gross Area
- 522 ft²
- Efficiency
- 75%
- District
- North District · New Territories East
- School net (POA)
- 80
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2025-05-28 | HK$3.90M | +18.2% 0.5y |
| 2024-11-25 | HK$3.30M | −17.5% 2.0y · −9.0%/yr |
| 2022-11-24 | HK$4.00M | +63.3% 25.4y · 2.0%/yr |
| 1997-07-26 | HK$2.45M | +21.9% |
| 1996-10-22 | HK$2.01M | — |