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At today's rate and a 90% mortgage, the deposit on this unit is about HK$298K, with repayments around HK$12,995/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$298K · loan HK$2.68M · min. income ≈ HK$25,990/mo (50% DSR)
Upfront cash ≈ HK$298K (deposit + AVD stamp duty HK$100 · 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
Family-friendly — 14 schools within a 1 km walk.
Everyday convenience — 13 shopping and daily-needs spots nearby.
Healthcare close by — 3 hospitals/clinics within 1 km.
Green space & leisure — 28 parks, libraries and sports venues nearby.
Location
Unit Information
- Floor
- 7/F
- Flat
- H
- Saleable Area
- 294 Saleable ft²
- Gross Area
- 398 ft²
- Efficiency
- 74%
- District
- Sai Kung District · New Territories East
- School net (POA)
- 95
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2022-08-29 | HK$4.10M | +7.9% 3.7y · 2.0%/yr |
| 2019-01-15 | HK$3.80M | +18.0% 2.0y · 9.0%/yr |
| 2017-01-10 | HK$3.22M | +53.3% 4.4y · 12.0%/yr |
| 2012-08-10 | HK$2.10M | +377.3% |
| 2003-08-26 | HK$440K | — |