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Crescira AVM · estimated value Medium confidence
HK$5.80M
≈ HK$15,467 / 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$580K, with repayments around HK$25,300/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$23,807
−HK$1,493/mo
▼ 0.25% · 3.875%
HK$24,547
−HK$753/mo
Today · 4.125%
HK$25,300
baseline
▲ 0.50% · 4.625%
HK$26,839
+HK$1,539/mo

Deposit HK$580K · loan HK$5.22M · min. income ≈ HK$50,600/mo (50% DSR)

Upfront cash ≈ HK$711K (deposit + AVD stamp duty HK$130,506 · 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
20/F
Flat
A
Saleable Area
375 ft²
District
Sham Shui Po District · Kowloon
School net (POA)
40

Transaction History

Date Price Gain / loss
2020-04-28 HK$6.48M +59.2%
6.0y · 10.0%/yr
2014-04-24 HK$4.07M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sham Shui Po
≈ 5 min walk · 341 m
Education
79
schools within 1 km (12 within 500 m)
Daily convenience
73
within 1 km (20 within 500 m)
Health
13
hospitals/clinics within 1 km
Recreation
63
parks, libraries, sports within 1 km

Excellent connectivity — about 5 min walk to Sham Shui Po Station (a rail station within an 8-min walk earns this label).

Family-friendly — 79 schools within a 1 km walk.

Everyday convenience — 73 shopping and daily-needs spots nearby.

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

Green space & leisure — 63 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com