Skip to content
Crescira AVM · estimated value Medium confidence
HK$5.74M
≈ HK$7,542 / 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$574K, with repayments around HK$25,034/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$23,557
−HK$1,477/mo
▼ 0.25% · 3.875%
HK$24,290
−HK$744/mo
Today · 4.125%
HK$25,034
baseline
▲ 0.50% · 4.625%
HK$26,558
+HK$1,524/mo

Deposit HK$574K · loan HK$5.17M · min. income ≈ HK$50,068/mo (50% DSR)

Upfront cash ≈ HK$703K (deposit + AVD stamp duty HK$129,137 · 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
3/F
Flat
A
Saleable Area
761 ft²
Gross Area
995 ft²
Efficiency
76%
District
North District · New Territories East
School net (POA)
81

Transaction History

Date Price Gain / loss
2024-04-25 HK$7.00M +153.6%
16.2y
2008-02-14 HK$2.76M +53.3%
2002-01-16 HK$1.80M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Fanling
≈ 5 min walk · 345 m
Education
45
schools within 1 km (10 within 500 m)
Daily convenience
31
within 1 km (9 within 500 m)
Health
11
hospitals/clinics within 1 km
Recreation
47
parks, libraries, sports within 1 km

Excellent connectivity — about 5 min walk to Fanling Station (a rail station within an 8-min walk earns this label).

Family-friendly — 45 schools within a 1 km walk.

Everyday convenience — 31 shopping and daily-needs spots nearby.

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

Green space & leisure — 47 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com