11/F F
in CARIBBEAN COAST PHASE 3 CARMEL COVE LUX LIVING (TOWER 12)
Islands District · New Territories West
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At today's rate and a 90% mortgage, the deposit on this unit is about HK$593K, with repayments around HK$25,882/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$593K · loan HK$5.34M · min. income ≈ HK$51,764/mo (50% DSR)
Upfront cash ≈ HK$727K (deposit + AVD stamp duty HK$133,507 · 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
Family-friendly — 26 schools within a 1 km walk.
Everyday convenience — 28 shopping and daily-needs spots nearby.
Healthcare close by — 5 hospitals/clinics within 1 km.
Green space & leisure — 16 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 11/F
- Flat
- F
- Saleable Area
- 563 Saleable ft²
- Gross Area
- 749 ft²
- Efficiency
- 75%
- District
- Islands District · New Territories West
- School net (POA)
- 98
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2022-05-25 | HK$6.00M | −7.4% 3.1y · −2.0%/yr |
| 2019-04-04 | HK$6.48M | +190.6% 11.2y · 17.0%/yr |
| 2008-03-05 | HK$2.23M | +12.6% |
| 2007-12-17 | HK$1.98M | +3.7% |
| 2006-08-09 | HK$1.91M | — |