Greenwood Garden #3352907 For Sale Property Detail Page

The advantages of buying Tsui Wah Garden: a "starter home" suitable for first-time home buyers or investments
### **1. Low down payment threshold, less mortgage pressure**
- **Low down payment burden**:
you meet the "Mortgage Insurance Plan" (maximum 90% mortgage), the down payment for a 3 million property is only **HK$300,000** (including stamp duty and legal fees)
- **Payment pressure is controllable**:
on a 90% mortgage, an interest rate of 3.5%, and a repayment period of 30 years, the monthly payment is approximately **HK$12,000**, which is suitable for people with a monthly income of around HK$25,000 (can be calculated together for couples and friends)

### **2. Higher rental return rate**
- *The monthly rent can reach **HK$10,000 to 12,000**, and the rental return rate is approximately **3.5-4%** (higher than luxury homes or large units).
- **Student/office worker demand is stable**:
units near universities and subways, with extremely high occupancy
### **4. Strong resistance to price drops, high liquidity**
- **Small unit demand is stable**:
- **Low policy risk**:
### **5. Potential appreciation space**

The advantages of buying Tsui Wah Garden: a "starter home" suitable for first-time home buyers or investments
### **1. Low down payment threshold, less mortgage pressure**
- **Low down payment burden**:
you meet the "Mortgage Insurance Plan" (maximum 90% mortgage), the down payment for a 3 million property is only **HK$300,000** (including stamp duty and legal fees)
- **Payment pressure is controllable**:
on a 90% mortgage, an interest rate of 3.5%, and a repayment period of 30 years, ...