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At today's rate and a 90% mortgage, the deposit on this unit is about HK$470K, with repayments around HK$20,505/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$470K · loan HK$4.23M · min. income ≈ HK$41,010/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,596 · 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 2 min walk to Mass Transit Railway Ma On Shan Station Station.
Family-friendly — 32 schools within a 1 km walk.
Everyday convenience — 24 shopping and daily-needs spots nearby.
Healthcare close by — 3 hospitals/clinics within 1 km.
Green space & leisure — 26 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 3/F
- Flat
- F
- Saleable Area
- 375 Saleable ft²
- Gross Area
- 506 ft²
- Efficiency
- 74%
- District
- Sha Tin District · New Territories East
- School net (POA)
- 89
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2022-09-06 | HK$5.00M | −9.1% 3.5y · −3.0%/yr |
| 2019-04-01 | HK$5.50M | +37.5% 2.3y · 16.0%/yr |
| 2016-11-24 | HK$4.00M | +100.0% 5.8y · 17.0%/yr |
| 2011-01-14 | HK$2.00M | −7.0% |
| 1997-02-13 | HK$2.15M | +21.5% |
| 1995-07-18 | HK$1.77M | — |