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At today's rate and a 90% mortgage, the deposit on this unit is about HK$428K, with repayments around HK$18,655/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$428K · loan HK$3.85M · min. income ≈ HK$37,310/mo (50% DSR)
Upfront cash ≈ HK$483K (deposit + AVD stamp duty HK$55,464 · 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 — 33 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 — 37 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 4/F
- Flat
- D
- Saleable Area
- 308 Saleable ft²
- Gross Area
- 417 ft²
- Efficiency
- 74%
- District
- Sha Tin District · New Territories East
- School net (POA)
- 91
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2026-06-16 | HK$4.48M | +2.3% 8.6y |
| 2017-11-02 | HK$4.38M | +47.0% 5.0y · 9.0%/yr |
| 2012-10-25 | HK$2.98M | +49.0% |
| 2010-12-17 | HK$2.00M | +12.4% |
| 2010-03-11 | HK$1.78M | +7.2% |
| 1996-07-19 | HK$1.66M | +23.9% |
| 1995-11-21 | HK$1.34M | — |