20/F A
in NEW TOWN PLAZA PHASE 3 COTTON TREE COURT (BLOCK 5)
Sha Tin District · New Territories East
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At today's rate and a 90% mortgage, the deposit on this unit is about HK$947K, with repayments around HK$41,301/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$947K · loan HK$8.52M · min. income ≈ HK$82,602/mo (50% DSR)
Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$316,872 · 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 Sha Tin Station Station.
Family-friendly — 34 schools within a 1 km walk.
Everyday convenience — 30 shopping and daily-needs spots nearby.
Healthcare close by — 7 hospitals/clinics within 1 km.
Green space & leisure — 38 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 20/F
- Flat
- A
- Saleable Area
- 640 Saleable ft²
- Gross Area
- 753 ft²
- Efficiency
- 85%
- District
- Sha Tin District · New Territories East
- School net (POA)
- 91
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2021-04-19 | HK$11.28M | +10.8% 0.3y |
| 2021-02-02 | HK$10.18M | +46.5% 8.0y · 6.0%/yr |
| 2013-01-08 | HK$6.95M | +98.6% |
| 1999-07-21 | HK$3.50M | −36.9% |
| 1997-03-15 | HK$5.55M | +9.9% |
| 1997-03-12 | HK$5.05M | — |