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At today's rate and a 90% mortgage, the deposit on this unit is about HK$439K, with repayments around HK$19,143/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$439K · loan HK$3.95M · min. income ≈ HK$38,286/mo (50% DSR)
Upfront cash ≈ HK$505K (deposit + AVD stamp duty HK$65,830 · 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 — 38 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 — 53 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 7/F
- Flat
- G
- Saleable Area
- 342 Saleable ft²
- Gross Area
- 463 ft²
- Efficiency
- 74%
- District
- North District · New Territories East
- School net (POA)
- 80
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2020-06-29 | HK$5.20M | +30.0% 3.7y · 8.0%/yr |
| 2016-10-28 | HK$4.00M | +212.5% 10.4y · 21.0%/yr |
| 2006-06-23 | HK$1.28M | −50.6% |
| 1997-08-05 | HK$2.59M | +7.9% |
| 1997-07-05 | HK$2.40M | +20.0% |
| 1997-03-27 | HK$2.00M | — |