Kowloon City · Estate Brief
Whampoa Garden · 黃埔花園
Independent buyer-side intelligence: indicative pricing, HKMA mortgage snapshot, and AVD stamp-duty exposure for Whampoa Garden.
Last updated · 2026-07-11
600 sqft scenario — HKMA mortgage brief
- Indicative price
- HK$11.34M
- AVD stamp duty
- HK$425.3K
- LTV cap (HKMA)
- 70%
- Benchmark rate p.a.
- 4.125%
- Base monthly
- HK$38.5K
- Stress monthly (+2%)
- HK$48.2K
Heuristic only. Confirm with a licensed lender and solicitor. Sources: HKMA SPM MA-2, IRD AVD Scale 2.
Blocks · floor & stigma metrics
1 block loggedFrequently asked
- Is Whampoa Garden still a good value in Kowloon City?
- As of the latest RVD print, Whampoa Garden's benchmark of HK$18,900/sqft sits within the Kowloon City 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 Whampoa Garden unit?
- A 600 sqft unit at the indicative price (HK$11.34M) attracts HK$425.3K 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$11.34M unit gives a base monthly payment of about HK$38.5K (HKMA stress test +2% raises this to HK$48.2K).
- What is the typical building age at Whampoa Garden?
- Around 38 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.