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379 ft²
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384 ft²
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287 ft²
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385 ft²
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376 ft²
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448 ft²
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278 ft²
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385 ft²
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384 ft²
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447 ft²
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376 ft²
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20/F 1
447 ft²
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376 ft²
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379 ft²
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385 ft²
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448 ft²
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384 ft²
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376 ft²
20/F 9
379 ft²
20/F 10
385 ft²
20/F 11
448 ft²
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447 ft²
20/F 13
287 ft²
20/F 14
278 ft²
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278 ft²
20/F 16
287 ft²
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287 ft²
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376 ft²
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447 ft²
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278 ft²
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278 ft²
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278 ft²
26/F 16
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27/F 3
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27/F 6
27/F 7
27/F 9
27/F 10
27/F 11
27/F 12
447 ft²
27/F 13
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448 ft²
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379 ft²
29/F 10
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30/F 1
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30/F 14
30/F 15
30/F 16
287 ft²
31/F 1
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31/F 4
31/F 5
31/F 6
384 ft²
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32/F 13
32/F 14
32/F 15
278 ft²
32/F 16
33/F 1
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33/F 4
385 ft²
33/F 5
33/F 6
33/F 7
33/F 8
Crescira AVM · estimated value
● Medium confidence
HK$3.45M
≈ HK$7,709 / 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$345K, with repayments around HK$15,030/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$14,143
−HK$887/mo
▼ 0.25% · 3.875%
HK$14,583
−HK$447/mo
Today · 4.125%
HK$15,030
baseline
▲ 0.50% · 4.625%
HK$15,945
+HK$915/mo
Deposit HK$345K · loan HK$3.10M · min. income ≈ HK$30,060/mo (50% DSR)
Upfront cash ≈ HK$345K (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).
Affordability check
of income on repayments ·
Unit Information
- Floor
- 20/F
- Flat
- 12
- Saleable Area
- 447 ft²
- District
- North District · New Territories East
- School net (POA)
- 81
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2022-01-07 | HK$2.42M | — |
QoL Matrix
View full Quality-of-Life page →
Government open data
Nearest MTR
Fanling
≈ 33 min walk · 2,582 m
(quite far — consider other transport options)
Education
5
schools within 1 km (3 within 500 m)
Daily convenience
3
within 1 km (3 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
6
parks, libraries, sports within 1 km
Family-friendly — 5 schools within a 1 km walk.
Everyday convenience — 3 shopping and daily-needs spots nearby.
Green space & leisure — 6 parks, libraries and sports venues nearby.
Location
Other appraised units in this building
Data sourced from Renavon.com