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Crescira AVM · estimated value Medium confidence
HK$6.69M
≈ HK$12,821 / 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$669K, with repayments around HK$29,192/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$27,469
−HK$1,723/mo
▼ 0.25% · 3.875%
HK$28,324
−HK$868/mo
Today · 4.125%
HK$29,192
baseline
▲ 0.50% · 4.625%
HK$30,968
+HK$1,776/mo

Deposit HK$669K · loan HK$6.02M · min. income ≈ HK$58,384/mo (50% DSR)

Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$200,776 · 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
6/F
Flat
E
Saleable Area
522 ft²
Gross Area
637 ft²
Efficiency
82%
District
Sai Kung District · New Territories East
School net (POA)
95

Transaction History

Date Price Gain / loss
2005-02-16 HK$2.70M +26.8%
2001-09-18 HK$2.13M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Po Lam
≈ 47 min walk · 3,694 m
(quite far — consider other transport options)
Education
2
schools within 1 km (2 within 500 m)
Daily convenience
2
within 1 km (2 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
2
parks, libraries, sports within 1 km

Location

Other appraised units in this building

Data sourced from Renavon.com