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At today's rate and a 90% mortgage, the deposit on this unit is about HK$452K, with repayments around HK$19,705/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$452K · loan HK$4.07M · min. income ≈ HK$39,410/mo (50% DSR)
Upfront cash ≈ HK$521K (deposit + AVD stamp duty HK$69,265 · 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 3 min walk to Mass Transit Railway Sheung Shui Station Station.
Family-friendly — 40 schools within a 1 km walk.
Everyday convenience — 30 shopping and daily-needs spots nearby.
Healthcare close by — 7 hospitals/clinics within 1 km.
Green space & leisure — 51 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 13/F
- Flat
- F
- Saleable Area
- 342 Saleable ft²
- Gross Area
- 460 ft²
- Efficiency
- 74%
- District
- North District · New Territories East
- School net (POA)
- 80
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2026-03-17 | HK$4.45M | −6.4% 3.0y · −2.0%/yr |
| 2023-02-27 | HK$4.75M | +18.8% 4.7y · 4.0%/yr |
| 2018-06-15 | HK$4.00M | +23.5% 5.2y · 5.0%/yr |
| 2013-03-13 | HK$3.24M | — |