Clear • 30Y
•Check • Aging Levy
•
Risk • Slope / Cap
City One Shatin (沙田第一城)
CSDI VERIFIED
Sha Tin • POA Net 91 • OZP R(A) • OP 1981 (Age 45Y)
PRE-SIGNING RISK CHECK • 30Y MORTGAGE OK
Safe for 90% Loan — 1 Aging Inspection Check
Bank Loan
30 Yrs Max
Up to 90% MIP
Repair Bills
1 Levy Check
MBIS ≥30Y Age
Title & Mgmt
Clean OC
0 UBW • Net 91
🛡️ 1. 6-Point Statutory Risk Check (Sorted by Urgency) ▾
💡 Tip: Always run an instant online bank valuation (BOC / HSBC) before signing to screen for floor-level stigmatized units (凶宅).
Official Registry Search:
💰 2. Buy vs Rent Cashflow, MIP Loan & Cash-to-Close ▾
Unit Rate & Size:
HK$3.95M • 341 ft² ($11,584/ft²)
Net Rent: HK$11,640/mo
70% Loan: HK$8,325/mo
Gross: $13,085
Mgmt+Rates/Rent: -$1,445
Spread: +112 bps
💼 Total Upfront Cash-to-Close
HK$1.23M
Down Payment (30%):$1.19M
2026 Stamp Duty:HK$100
1% Agency Fee:$39.5k
Solicitor / Reg:$12.0k
HKMA Min Monthly Income (50% DTI):
HK$16.7k/mo
🧮 3. Customize Numbers & WhatsApp Script (Buyer / Agent) ▾
Script Perspective:
WhatsApp Copy Language: