Nigeria is among Africa's largest producers of tomatoes, peppers, onions, and watermelons, yet annual diseaseinduced yield losses exceed 35% due to late detection and inadequate field surveillance. This paper presents HORTIVISION-NG, a multispectral UAV-based intelligent monitoring system that integrates EfficientNet-B4 deep learning with five spectral vegetation indices — NDVI, GNDVI, NDRE, SAVI, and RVI — for simultaneous disease classification and yield forecasting across four high-value horticultural crops. A dataset of 31,847 annotated UAV images collected from 24 farms across Kano, Kaduna, and Jigawa States covers 12 disease classes and 4 healthy baselines. The system achieves an overall macro F1-score of 93.9% for disease detection and a yield prediction R² of 0.885. Federated learning (FedAvg) enables privacy-preserving cross-farm model aggregation across 8 pilot sites. Real-time inference runs at 23.4 FPS on NVIDIA Jetson Nano. Pilot farm trials demonstrate a 27.6% average yield improvement and $312 per-hectare net economic benefit.