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Crescira AVM · estimated value Medium confidence
HK$6.18M
≈ HK$8,811 / ft² saleable · updated 2026-08-01
Not an offer or formal valuation

Mortgage Intelligence

Fully appraised HIBOR 1M · 3.9% Prime · 6.125%

Typical HK bank rates as of July 2026 — this site has no live rate feed; check current HIBOR and Prime with your bank.

At today's rate and a 90% mortgage, the deposit on this unit is about HK$618K, with repayments around HK$26,942/mo for the first 5 years.

Mortgage plan · rate basis
H-plan · HIBOR + 1.30%
5.2% → capped 4.125%
Prime Rate (P-plan) · P − 2.00%
4.125%

The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.

If rates change · monthly repayment
LTV 90%
Term
▼ 0.50% · 3.625%
HK$25,352
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$26,141
−HK$801/mo
Today · 4.125%
HK$26,942
baseline
▲ 0.50% · 4.625%
HK$28,581
+HK$1,639/mo

Deposit HK$618K · loan HK$5.56M · min. income ≈ HK$53,884/mo (50% DSR)

Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$152,675 · Scale 2, in force from 26 Feb 2026)

Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).

Unit Information

Floor
4/F
Flat
A
Saleable Area
701 ft²
Gross Area
807 ft²
Efficiency
87%
District
North District · New Territories East
School net (POA)
81

Transaction History

Date Price Gain / loss
2021-12-08 HK$7.25M +262.5%
13.7y
2008-03-26 HK$2.00M +0.0%
1999-01-12 HK$2.00M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sheung Shui
≈ 10 min walk · 793 m
Education
42
schools within 1 km (10 within 500 m)
Daily convenience
34
within 1 km (7 within 500 m)
Health
16
hospitals/clinics within 1 km
Recreation
39
parks, libraries, sports within 1 km

Family-friendly — 42 schools within a 1 km walk.

Everyday convenience — 34 shopping and daily-needs spots nearby.

Healthcare close by — 16 hospitals/clinics within 1 km.

Green space & leisure — 39 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com