Sha Tin · Estate Brief
Belair Gardens · 富豪花園
Independent buyer-side intelligence: indicative pricing, HKMA mortgage snapshot, and AVD stamp-duty exposure for Belair Gardens.
Last updated · 2026-07-11
600 sqft scenario — HKMA mortgage brief
- Indicative price
- HK$9.84M
- AVD stamp duty
- HK$354.0K
- LTV cap (HKMA)
- 70%
- Benchmark rate p.a.
- 4.125%
- Base monthly
- HK$33.4K
- Stress monthly (+2%)
- HK$41.9K
Heuristic only. Confirm with a licensed lender and solicitor. Sources: HKMA SPM MA-2, IRD AVD Scale 2.
Blocks · floor & stigma metrics
0 blocks loggedNo block-level stigma or floor records logged yet for Belair Gardens. Submit a transaction or stigma report to seed the per-block brief.
Frequently asked
- Is Belair Gardens still a good value in Sha Tin?
- As of the latest RVD print, Belair Gardens's benchmark of HK$16,400/sqft sits within the Sha Tin average band. Always compare against the most recent Land Registry transactions for the specific block, floor and orientation.
- How much stamp duty would I pay on a typical Belair Gardens unit?
- A 600 sqft unit at the indicative price (HK$9.84M) attracts HK$354.0K in AVD Scale 2 stamp duty. BSD and SSD were abolished on 28 Feb 2024 — no extra duty applies to non-PR or company buyers for residential.
- What mortgage payment should I expect at the 70% HKMA cap?
- At the current benchmark rate of 4.125% over 30 years, a 70% LTV loan on a HK$9.84M unit gives a base monthly payment of about HK$33.4K (HKMA stress test +2% raises this to HK$41.9K).
- What is the typical building age at Belair Gardens?
- Around 37 years. Older stock can affect bank valuation, mortgage tenor (HKMA generally caps at 75 minus building age, max 30 years) and renovation budget — confirm with your lender before bidding.