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Crescira AVM · estimated value Medium confidence
HK$7.54M
≈ HK$12,637 / 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$754K, with repayments around HK$32,908/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$30,966
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,929
−HK$979/mo
Today · 4.125%
HK$32,908
baseline
▲ 0.50% · 4.625%
HK$34,910
+HK$2,002/mo

Deposit HK$754K · loan HK$6.79M · min. income ≈ HK$65,816/mo (50% DSR)

Upfront cash ≈ HK$981K (deposit + AVD stamp duty HK$226,335 · 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
597 ft²
Gross Area
734 ft²
Efficiency
81%
District
Sai Kung District · New Territories East
School net (POA)
95

Transaction History

Date Price Gain / loss
2013-11-15 HK$6.18M +63.5%
2009-08-19 HK$3.78M +2.2%
2007-12-17 HK$3.70M +85.0%
2004-04-06 HK$2.00M

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