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20/F A

in Oceanaire Tower 5B

Sha Tin District · New Territories East

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Crescira AVM · estimated value Medium confidence
HK$10.39M
≈ HK$12,655 / 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 70% mortgage, the deposit on this unit is about HK$3.12M, with repayments around HK$35,248/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 70%
Term
▼ 0.50% · 3.625%
HK$33,168
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$34,200
−HK$1,048/mo
Today · 4.125%
HK$35,248
baseline
▲ 0.50% · 4.625%
HK$37,393
+HK$2,145/mo

Deposit HK$3.12M · loan HK$7.27M · min. income ≈ HK$70,496/mo (50% DSR)

Upfront cash ≈ HK$3.51M (deposit + AVD stamp duty HK$389,623 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
20/F
Flat
A
Saleable Area
821 ft²
Gross Area
1,078 ft²
Efficiency
76%
District
Sha Tin District · New Territories East
School net (POA)
89

Transaction History

Date Price Gain / loss
2023-07-07 HK$10.88M +76.3%
12.7y
2010-10-28 HK$6.17M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Heng On
≈ 5 min walk · 369 m
Education
25
schools within 1 km (5 within 500 m)
Daily convenience
18
within 1 km (8 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
14
parks, libraries, sports within 1 km

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

Family-friendly — 25 schools within a 1 km walk.

Everyday convenience — 18 shopping and daily-needs spots nearby.

Green space & leisure — 14 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com