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3/F A

in Fu Ning Garden Block 4

Sai Kung District · New Territories East

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G/F D 592 ft² 1/F C 592 ft² 1/F E 592 ft² 1/F J 592 ft² 1/F H 592 ft² 2/F C 592 ft² 2/F F 495 ft² 2/F G 495 ft² 2/F H 592 ft² 2/F K 592 ft² 2/F L 495 ft² 3/F A 495 ft² 3/F H 592 ft² 4/F A 495 ft² 4/F C 592 ft² 4/F D 592 ft² 4/F E 592 ft² 4/F L 495 ft² 5/F A 495 ft² 5/F F 495 ft² 5/F J 592 ft² 5/F H 592 ft² 5/F K 592 ft² 6/F B 495 ft² 6/F C 592 ft² 6/F H 592 ft² 7/F A 495 ft² 7/F B 495 ft² 7/F D 592 ft² 7/F G 495 ft² 7/F H 592 ft² 7/F L 495 ft² 8/F E 592 ft² 8/F H 592 ft² 8/F D 592 ft² 9/F B 495 ft² 9/F H 592 ft² 10/F D 592 ft² 10/F G 495 ft² 10/F H 592 ft² 11/F B 495 ft² 11/F J 592 ft² 11/F G 495 ft² 12/F D 592 ft² 12/F E 592 ft² 12/F A 495 ft² 12/F L 495 ft² 12/F M 495 ft² 13/F B 495 ft² 13/F K 592 ft² 13/F L 495 ft² 13/F C 592 ft² 14/F D 592 ft² 14/F K 592 ft² 14/F L 495 ft² 14/F A 495 ft² 14/F B 495 ft² 14/F J 592 ft² 15/F G 495 ft² 15/F H 592 ft² 15/F J 592 ft² 15/F D 592 ft² 16/F B 495 ft² 16/F K 592 ft² 17/F E 592 ft² 17/F F 495 ft² 17/F G 495 ft² 18/F C 592 ft² 18/F F 495 ft² 18/F G 495 ft² 18/F M 495 ft² 18/F B 495 ft² 19/F K 592 ft² 19/F L 495 ft² 19/F B 495 ft² 20/F B 495 ft² 22/F E 592 ft² 22/F G 495 ft² 22/F J 592 ft² 22/F B 495 ft² 22/F C 592 ft² 22/F D 592 ft² 22/F L 495 ft² 22/F M 495 ft² 23/F E 592 ft² 23/F F 495 ft² 24/F A 495 ft² 25/F K 592 ft² 25/F L 495 ft² 25/F C 592 ft² 25/F G 495 ft² 26/F D 592 ft² 26/F F 495 ft² 27/F E 592 ft² 27/F M 495 ft² 27/F D 592 ft² 28/F C 592 ft² 29/F A 495 ft² 29/F C 592 ft² 29/F G 495 ft² 30/F D 592 ft² 30/F G 495 ft² 30/F J 592 ft² 30/F M 495 ft² 30/F C 592 ft² 31/F A 495 ft² 31/F F 495 ft² 31/F G 495 ft² 31/F H 592 ft² 31/F M 495 ft² 32/F A 495 ft² 32/F D 592 ft² 32/F L 495 ft² 32/F G 495 ft² 32/F J 592 ft² 33/F B 495 ft² 33/F F 495 ft² 34/F E 592 ft² 34/F K 592 ft² 34/F L 495 ft²
Crescira AVM · estimated value Medium confidence
HK$4.17M
≈ HK$8,418 / ft² saleable · updated 2026-08-01
Not an offer or formal valuation

Mortgage Intelligence

Fully appraised HIBOR 1M · 3.9% Prime · 6.125%

Typical HK bank rates as of July 2026 — this site has no live rate feed; check current HIBOR and Prime with your bank.

At today's rate and a 90% mortgage, the deposit on this unit is about HK$417K, with repayments around HK$18,175/mo for the first 5 years.

Mortgage plan · rate basis
H-plan · HIBOR + 1.30%
5.2% → capped 4.125%
Prime Rate (P-plan) · P − 2.00%
4.125%

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%.

If rates change · monthly repayment
LTV 90%
Term
▼ 0.50% · 3.625%
HK$17,102
−HK$1,073/mo
▼ 0.25% · 3.875%
HK$17,634
−HK$541/mo
Today · 4.125%
HK$18,175
baseline
▲ 0.50% · 4.625%
HK$19,281
+HK$1,106/mo

Deposit HK$417K · loan HK$3.75M · min. income ≈ HK$36,350/mo (50% DSR)

Upfront cash ≈ HK$450K (deposit + AVD stamp duty HK$33,458 · 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).

Unit Information

Floor
3/F
Flat
A
Saleable Area
495 ft²
Gross Area
551 ft²
Efficiency
90%
District
Sai Kung District · New Territories East
School net (POA)
95

Transaction History

Date Price Gain / loss
2014-01-22 HK$3.00M +167.9%
2006-02-03 HK$1.12M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Hang Hau
≈ 7 min walk · 541 m
Education
34
schools within 1 km (16 within 500 m)
Daily convenience
24
within 1 km (14 within 500 m)
Health
5
hospitals/clinics within 1 km
Recreation
25
parks, libraries, sports within 1 km

Excellent connectivity — about 7 min walk to Hang Hau Station (a rail station within an 8-min walk earns this label).

Family-friendly — 34 schools within a 1 km walk.

Everyday convenience — 24 shopping and daily-needs spots nearby.

Healthcare close by — 5 hospitals/clinics within 1 km.

Green space & leisure — 25 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com