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1/F 9

in Wo Ming Court Wo Yat House (Block A)

Sai Kung District · New Territories East

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Crescira AVM · estimated value Medium confidence
HK$5.66M
≈ HK$8,764 / 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$566K, with repayments around HK$24,694/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$23,237
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,960
−HK$734/mo
Today · 4.125%
HK$24,694
baseline
▲ 0.50% · 4.625%
HK$26,196
+HK$1,502/mo

Deposit HK$566K · loan HK$5.10M · min. income ≈ HK$49,388/mo (50% DSR)

Upfront cash ≈ HK$694K (deposit + AVD stamp duty HK$127,380 · 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
1/F
Flat
9
Saleable Area
646 ft²
Gross Area
868 ft²
Efficiency
74%
District
Sai Kung District · New Territories East
School net (POA)
95

Transaction History

Date Price Gain / loss
2014-06-04 HK$3.20M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Hang Hau
≈ 3 min walk · 216 m
Education
46
schools within 1 km (18 within 500 m)
Daily convenience
36
within 1 km (17 within 500 m)
Health
5
hospitals/clinics within 1 km
Recreation
31
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to Hang Hau Station (a rail station within an 8-min walk earns this label).

Family-friendly — 46 schools within a 1 km walk.

Everyday convenience — 36 shopping and daily-needs spots nearby.

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

Green space & leisure — 31 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com