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Crescira AVM · estimated value ● Medium confidence
HK$3.61M
≈ HK$11,632 / 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 90% mortgage, the deposit on this unit is about HK$361K, with repayments around HK$15,728/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$14,800
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,260
−HK$468/mo
Today · 4.125%
HK$15,728
baseline
▲ 0.50% · 4.625%
HK$16,685
+HK$957/mo

Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,456/mo (50% DSR)

Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · 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
21/F
Flat
B
Saleable Area
310 ft²
Gross Area
379 ft²
Efficiency
82%
District
Yau Tsim Mong District · Kowloon
School net (POA)
32

Transaction History

Date Price Gain / loss
2018-01-16 HK$4.20M +76.5%
5.4y
2012-08-13 HK$2.38M +88.9%
3.1y
2009-07-17 HK$1.26M +2.4%
1.1y
2008-06-10 HK$1.23M +1.7%
5.8y
2008-01-14 HK$1.21M +16.6%
5.4y
2007-06-01 HK$1.04M +35.2%
4.8y
2002-08-23 HK$768K −7.5%
0.5y
2002-03-08 HK$830K —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Mong Kok
≈ 6 min walk · 426 m
Education
56
schools within 1 km (16 within 500 m)
Daily convenience
106
within 1 km (55 within 500 m)
Health
17
hospitals/clinics within 1 km
Recreation
86
parks, libraries, sports within 1 km

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

Family-friendly — 56 schools within a 1 km walk.

Everyday convenience — 106 shopping and daily-needs spots nearby.

Healthcare close by — 17 hospitals/clinics within 1 km.

Green space & leisure — 86 parks, libraries and sports venues nearby.

Location

Other appraised units in this building