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Crescira AVM · estimated value ● Medium confidence
HK$26.96M
≈ HK$20,362 / 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 70% mortgage, the deposit on this unit is about HK$8.09M, with repayments around HK$91,459/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 70%
Term
▼ 0.50% · 3.625%
HK$86,062
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,739
−HK$2,720/mo
Today · 4.125%
HK$91,459
baseline
▲ 0.50% · 4.625%
HK$97,024
+HK$5,565/mo

Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,918/mo (50% DSR)

Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,751 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
10/F
Flat
38號
Saleable Area
1,324 ft²
Gross Area
1,802 ft²
Efficiency
73%
District
Sham Shui Po District · Kowloon
School net (POA)
40

Transaction History

Date Price Gain / loss
2022-02-14 HK$48.00M +65.5%
9.2y
2012-11-15 HK$29.00M +58.5%
4.8y
2008-01-23 HK$18.30M +39.5%
7.1y
2000-12-30 HK$13.12M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Shek Kip Mei
≈ 6 min walk · 473 m
Education
109
schools within 1 km (27 within 500 m)
Daily convenience
29
within 1 km (6 within 500 m)
Health
4
hospitals/clinics within 1 km
Recreation
55
parks, libraries, sports within 1 km

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

Family-friendly — 109 schools within a 1 km walk.

Everyday convenience — 29 shopping and daily-needs spots nearby.

Healthcare close by — 4 hospitals/clinics within 1 km.

Green space & leisure — 55 parks, libraries and sports venues nearby.

Location

Other appraised units in this building