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Crescira AVM · estimated value Medium confidence
HK$3.64M
≈ HK$6,761 / 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$364K, with repayments around HK$15,865/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$14,929
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,393
−HK$472/mo
Today · 4.125%
HK$15,865
baseline
▲ 0.50% · 4.625%
HK$16,831
+HK$966/mo

Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,730/mo (50% DSR)

Upfront cash ≈ HK$364K (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
12/F
Flat
K
Saleable Area
538 ft²
Gross Area
400 ft²
Efficiency
134%
District
Yau Tsim Mong District · Kowloon
School net (POA)
32

Transaction History

Date Price Gain / loss
1996-11-20 HK$1.50M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Mong Kok
≈ 3 min walk · 174 m
Education
71
schools within 1 km (18 within 500 m)
Daily convenience
102
within 1 km (53 within 500 m)
Health
8
hospitals/clinics within 1 km
Recreation
94
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to Mong Kok Station (a rail station within an 8-min walk earns this label).

Family-friendly — 71 schools within a 1 km walk.

Everyday convenience — 102 shopping and daily-needs spots nearby.

Healthcare close by — 8 hospitals/clinics within 1 km.

Green space & leisure — 94 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com