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Crescira AVM · estimated value Medium confidence
HK$4.02M
≈ HK$10,039 / 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$402K, with repayments around HK$17,515/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$16,481
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,994
−HK$521/mo
Today · 4.125%
HK$17,515
baseline
▲ 0.50% · 4.625%
HK$18,581
+HK$1,066/mo

Deposit HK$402K · loan HK$3.61M · min. income ≈ HK$35,030/mo (50% DSR)

Upfront cash ≈ HK$405K (deposit + AVD stamp duty HK$3,200 · 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
1/F
Flat
1
Saleable Area
400 ft²
Gross Area
496 ft²
Efficiency
81%
District
Tai Po District · New Territories East
School net (POA)
84

Transaction History

Date Price Gain / loss
2016-12-12 HK$3.92M +292.0%
11.2y · 26.0%/yr
2005-09-28 HK$1.00M −41.5%
1997-04-02 HK$1.71M +14.0%
1997-02-26 HK$1.50M +1.4%
1996-05-14 HK$1.48M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Tai Wo
≈ 8 min walk · 618 m
Education
55
schools within 1 km (16 within 500 m)
Daily convenience
48
within 1 km (22 within 500 m)
Health
8
hospitals/clinics within 1 km
Recreation
59
parks, libraries, sports within 1 km

Family-friendly — 55 schools within a 1 km walk.

Everyday convenience — 48 shopping and daily-needs spots nearby.

Healthcare close by — 8 hospitals/clinics within 1 km.

Green space & leisure — 59 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com