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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$19,682/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$39,364/mo (50% DSR)
Upfront cash ≈ HK$520K (deposit + AVD stamp duty HK$68,740 · 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 4 min walk to Mass Transit Railway Sheung Shui Station Station.
Family-friendly — 41 schools within a 1 km walk.
Everyday convenience — 31 shopping and daily-needs spots nearby.
Healthcare close by — 7 hospitals/clinics within 1 km.
Green space & leisure — 52 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 4/F
- Flat
- F
- Saleable Area
- 361 Saleable ft²
- Gross Area
- 468 ft²
- Efficiency
- 77%
- District
- North District · New Territories East
- School net (POA)
- 80
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2021-06-04 | HK$5.32M | +8.0% 3.2y · 2.0%/yr |
| 2018-03-14 | HK$4.92M | +152.3% 7.3y · 21.0%/yr |
| 2010-11-09 | HK$1.95M | +2.1% |
| 2010-11-01 | HK$1.91M | +48.1% |
| 2006-08-26 | HK$1.29M | +11.2% |
| 2001-09-01 | HK$1.16M | — |