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Crescira AVM · estimated value ● Medium confidence
HK$11.44M
≈ HK$11,791 / ft² saleable · updated 2026-10-01
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$3.43M, with repayments around HK$38,801/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$36,511
−HK$2,290/mo
▼ 0.25% · 3.875%
HK$37,647
−HK$1,154/mo
Today · 4.125%
HK$38,801
baseline
▲ 0.50% · 4.625%
HK$41,162
+HK$2,361/mo

Deposit HK$3.43M · loan HK$8.01M · min. income ≈ HK$77,602/mo (50% DSR)

Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$428,889 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
G/F
Flat
E
Saleable Area
970 ft²
Gross Area
1,200 ft²
Efficiency
81%
District
Kowloon City District · Kowloon
School net (POA)
41

Transaction History

Date Price Gain / loss
2007-12-17 HK$5.40M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Lok Fu
≈ 9 min walk · 686 m
Education
42
schools within 1 km (9 within 500 m)
Daily convenience
17
within 1 km (3 within 500 m)
Health
6
hospitals/clinics within 1 km
Recreation
40
parks, libraries, sports within 1 km

Family-friendly — 42 schools within a 1 km walk.

Everyday convenience — 17 shopping and daily-needs spots nearby.

Healthcare close by — 6 hospitals/clinics within 1 km.

Green space & leisure — 40 parks, libraries and sports venues nearby.

Location

Other appraised units in this building