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Crescira AVM · estimated value ● Medium confidence
HK$3.99M
≈ HK$11,311 / 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$399K, with repayments around HK$17,416/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$16,388
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,898
−HK$518/mo
Today · 4.125%
HK$17,416
baseline
▲ 0.50% · 4.625%
HK$18,476
+HK$1,060/mo

Deposit HK$399K · loan HK$3.59M · min. income ≈ HK$34,832/mo (50% DSR)

Upfront cash ≈ HK$399K (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
182號
Saleable Area
353 ft²
Gross Area
552 ft²
Efficiency
64%
District
Sham Shui Po District · Kowloon
School net (POA)
40

Transaction History

Date Price Gain / loss
2020-10-29 HK$5.00M +16.3%
3.5y
2017-05-19 HK$4.30M +207.1%
8.4y
2008-12-03 HK$1.40M −39.1%
10.9y
1998-02-19 HK$2.30M +30.7%
1.5y
1996-08-20 HK$1.76M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Cheung Sha Wan
≈ 6 min walk · 471 m
Education
73
schools within 1 km (29 within 500 m)
Daily convenience
68
within 1 km (20 within 500 m)
Health
13
hospitals/clinics within 1 km
Recreation
56
parks, libraries, sports within 1 km

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

Family-friendly — 73 schools within a 1 km walk.

Everyday convenience — 68 shopping and daily-needs spots nearby.

Healthcare close by — 13 hospitals/clinics within 1 km.

Green space & leisure — 56 parks, libraries and sports venues nearby.

Location

Other appraised units in this building