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At today's rate and a 90% mortgage, the deposit on this unit is about HK$435K, with repayments around HK$18,976/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$435K · loan HK$3.92M · min. income ≈ HK$37,952/mo (50% DSR)
Upfront cash ≈ HK$500K (deposit + AVD stamp duty HK$65,257 · 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 3 min walk to Mass Transit Railway Ma On Shan Station Station.
Family-friendly — 35 schools within a 1 km walk.
Everyday convenience — 28 shopping and daily-needs spots nearby.
Healthcare close by — 3 hospitals/clinics within 1 km.
Green space & leisure — 31 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 2/F
- Flat
- 3
- Saleable Area
- 321 Saleable ft²
- Gross Area
- 405 ft²
- Efficiency
- 79%
- District
- Sha Tin District · New Territories East
- School net (POA)
- 89
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2020-01-23 | HK$5.38M | +21.2% 3.3y · 6.0%/yr |
| 2016-10-07 | HK$4.44M | +33.3% 3.4y · 10.0%/yr |
| 2013-05-09 | HK$3.33M | +101.8% |
| 2010-04-01 | HK$1.65M | +7.8% |
| 2008-06-03 | HK$1.53M | −37.6% |
| 1997-07-03 | HK$2.45M | +29.6% |
| 1997-01-02 | HK$1.89M | — |