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Crescira AVM · estimated value ● Medium confidence
HK$3.60M
≈ HK$6,036 / 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$360K, with repayments around HK$15,693/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$14,767
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,226
−HK$467/mo
Today · 4.125%
HK$15,693
baseline
▲ 0.50% · 4.625%
HK$16,648
+HK$955/mo

Deposit HK$360K · loan HK$3.24M · min. income ≈ HK$31,386/mo (50% DSR)

Upfront cash ≈ HK$360K (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
9/F
Flat
189號
Saleable Area
596 ft²
Gross Area
1,100 ft²
Efficiency
54%
District
Sham Shui Po District · Kowloon
School net (POA)
40

Transaction History

Date Price Gain / loss
2012-05-17 HK$2.95M +71.0%
2.9y
2009-06-29 HK$1.73M +15.0%
0.2y
2009-04-24 HK$1.50M +0.0%
11.2y
1998-03-26 HK$1.50M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sham Shui Po
≈ 2 min walk · 132 m
Education
81
schools within 1 km (13 within 500 m)
Daily convenience
75
within 1 km (24 within 500 m)
Health
15
hospitals/clinics within 1 km
Recreation
80
parks, libraries, sports within 1 km

Excellent connectivity — about 2 min walk to Sham Shui Po Station (a rail station within an 8-min walk earns this label).

Family-friendly — 81 schools within a 1 km walk.

Everyday convenience — 75 shopping and daily-needs spots nearby.

Healthcare close by — 15 hospitals/clinics within 1 km.

Green space & leisure — 80 parks, libraries and sports venues nearby.

Location

Other appraised units in this building