Crescira AVM · estimated value
● Medium confidence
HK$12.43M
≈ HK$10,188 / 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$3.73M, with repayments around HK$42,169/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$39,680
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,915
−HK$1,254/mo
Today · 4.125%
HK$42,169
baseline
▲ 0.50% · 4.625%
HK$44,735
+HK$2,566/mo
Deposit HK$3.73M · loan HK$8.70M · min. income ≈ HK$84,338/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$466,118 · Scale 2, in force from 26 Feb 2026)
Affordability check
of income on repayments ·
Unit Information
- Floor
- 2/F
- Flat
- C
- Saleable Area
- 1,220 ft²
- Gross Area
- 1,373 ft²
- Efficiency
- 89%
- District
- Sai Kung District · New Territories East
- School net (POA)
- 95
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2025-05-16 | HK$11.50M | +75.6% 20.1y |
| 2005-04-16 | HK$6.55M | — |
QoL Matrix
View full Quality-of-Life page →
Government open data
Nearest MTR
Po Lam
≈ 31 min walk · 2,474 m
(quite far — consider other transport options)
Education
0
schools within 1 km (0 within 500 m)
Daily convenience
2
within 1 km (0 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
1
parks, libraries, sports within 1 km