Crescira AVM · estimated value
● Medium confidence
HK$14.11M
≈ HK$10,563 / 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$4.23M, with repayments around HK$47,875/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$45,050
−HK$2,825/mo
▼ 0.25% · 3.875%
HK$46,451
−HK$1,424/mo
Today · 4.125%
HK$47,875
baseline
▲ 0.50% · 4.625%
HK$50,788
+HK$2,913/mo
Deposit HK$4.23M · loan HK$9.88M · min. income ≈ HK$95,750/mo (50% DSR)
Upfront cash ≈ HK$4.76M (deposit + AVD stamp duty HK$529,190 · Scale 2, in force from 26 Feb 2026)
Affordability check
of income on repayments ·
Unit Information
- Floor
- G/F
- Flat
- B
- Saleable Area
- 1,336 ft²
- Gross Area
- 1,506 ft²
- Efficiency
- 89%
- District
- Sai Kung District · New Territories East
- School net (POA)
- 95
Transaction History
| Date | Price | Gain / loss |
|---|---|---|
| 2007-11-13 | HK$9.45M | −14.8% 9.5y |
| 1998-05-19 | HK$11.09M | — |
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