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Crescira AVM · estimated value Medium confidence
HK$2.20M
≈ HK$5,720 / 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$220K, with repayments around HK$9,581/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$9,016
−HK$565/mo
▼ 0.25% · 3.875%
HK$9,296
−HK$285/mo
Today · 4.125%
HK$9,581
baseline
▲ 0.50% · 4.625%
HK$10,164
+HK$583/mo

Deposit HK$220K · loan HK$1.98M · min. income ≈ HK$19,162/mo (50% DSR)

Upfront cash ≈ HK$220K (deposit + AVD stamp duty HK$100 · 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
5/F
Flat
A
Saleable Area
384 ft²
District
North District · New Territories East
School net (POA)
81

Transaction History

Date Price Gain / loss
2010-09-06 HK$1.05M +18.0%
2010-04-26 HK$890K +43.5%
2007-07-12 HK$620K +24.0%
2005-11-22 HK$500K −57.3%
1997-12-19 HK$1.17M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Fanling
≈ 12 min walk · 900 m
Education
24
schools within 1 km (12 within 500 m)
Daily convenience
25
within 1 km (16 within 500 m)
Health
11
hospitals/clinics within 1 km
Recreation
34
parks, libraries, sports within 1 km

Family-friendly — 24 schools within a 1 km walk.

Everyday convenience — 25 shopping and daily-needs spots nearby.

Healthcare close by — 11 hospitals/clinics within 1 km.

Green space & leisure — 34 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com