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3/F A

in Oxford Garden

Kowloon City District · Kowloon

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Crescira AVM · estimated value Medium confidence
HK$20.05M
≈ HK$12,610 / 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$6.01M, with repayments around HK$68,019/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$64,006
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,997
−HK$2,022/mo
Today · 4.125%
HK$68,019
baseline
▲ 0.50% · 4.625%
HK$72,158
+HK$4,139/mo

Deposit HK$6.01M · loan HK$14.03M · min. income ≈ HK$136,038/mo (50% DSR)

Upfront cash ≈ HK$6.77M (deposit + AVD stamp duty HK$754,967 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
3/F
Flat
A
Saleable Area
1,590 ft²
Gross Area
1,713 ft²
Efficiency
93%
District
Kowloon City District · Kowloon
School net (POA)
41

Transaction History

Date Price Gain / loss
2015-09-10 HK$30.00M +175.2%
2006-03-17 HK$10.90M +102.2%
2004-02-04 HK$5.39M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Kowloon Tong
≈ 6 min walk · 423 m
Education
40
schools within 1 km (8 within 500 m)
Daily convenience
8
within 1 km (3 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
34
parks, libraries, sports within 1 km

Excellent connectivity — about 6 min walk to Kowloon Tong Station (a rail station within an 8-min walk earns this label).

Family-friendly — 40 schools within a 1 km walk.

Everyday convenience — 8 shopping and daily-needs spots nearby.

Healthcare close by — 3 hospitals/clinics within 1 km.

Green space & leisure — 34 parks, libraries and sports venues nearby.

Location

Data sourced from Renavon.com