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At today's rate and a 90% mortgage, the deposit on this unit is about HK$436K, with repayments around HK$19,014/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$436K · loan HK$3.92M · min. income ≈ HK$38,028/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,388 · 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 LR-Ginza Station.
Family-friendly — 63 schools within a 1 km walk.
Everyday convenience — 32 shopping and daily-needs spots nearby.
Healthcare close by — 3 hospitals/clinics within 1 km.
Green space & leisure — 64 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 18/F
- Flat
- F
- Saleable Area
- 441 Saleable ft²
- Gross Area
- 578 ft²
- Efficiency
- 76%
- District
- Yuen Long District · New Territories West
- School net (POA)
- 72
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2024-11-04 | HK$3.85M | −30.8% 3.5y · −9.0%/yr |
| 2021-04-28 | HK$5.56M | +53.3% 4.6y · 11.0%/yr |
| 2016-09-22 | HK$3.63M | +29.6% 3.1y · 10.0%/yr |
| 2013-08-13 | HK$2.80M | −12.2% |
| 1997-04-28 | HK$3.19M | — |