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At today's rate and a 90% mortgage, the deposit on this unit is about HK$472K, with repayments around HK$20,582/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$472K · loan HK$4.25M · min. income ≈ HK$41,164/mo (50% DSR)
Upfront cash ≈ HK$561K (deposit + AVD stamp duty HK$89,375 · 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 2 min walk to LR-Locwood Station.
Family-friendly — 85 schools within a 1 km walk.
Everyday convenience — 40 shopping and daily-needs spots nearby.
Healthcare close by — 3 hospitals/clinics within 1 km.
Green space & leisure — 74 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 4/F
- Flat
- D
- Saleable Area
- 551 Saleable ft²
- Gross Area
- 708 ft²
- Efficiency
- 78%
- District
- Yuen Long District · New Territories West
- School net (POA)
- 72
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2025-07-29 | HK$4.04M | +5.2% 9.6y · 1.0%/yr |
| 2015-12-22 | HK$3.84M | +71.3% 4.5y · 16.0%/yr |
| 2011-06-24 | HK$2.24M | +82.1% |
| 2005-03-31 | HK$1.23M | +17.1% |
| 2005-02-22 | HK$1.05M | −38.2% |
| 1996-09-17 | HK$1.70M | — |