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Crescira AVM · estimated value Medium confidence
HK$4.41M
≈ HK$15,260 / 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$441K, with repayments around HK$19,236/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$18,101
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$18,664
−HK$572/mo
Today · 4.125%
HK$19,236
baseline
▲ 0.50% · 4.625%
HK$20,407
+HK$1,171/mo

Deposit HK$441K · loan HK$3.97M · min. income ≈ HK$38,472/mo (50% DSR)

Upfront cash ≈ HK$507K (deposit + AVD stamp duty HK$66,153 · 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
5/F
Flat
D
Saleable Area
289 ft²
District
North District · New Territories East
School net (POA)
81

Transaction History

Date Price Gain / loss
2026-04-01 HK$3.52M +5.9%
0.3y
2025-12-04 HK$3.32M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Fanling
≈ 9 min walk · 697 m
Education
27
schools within 1 km (13 within 500 m)
Daily convenience
27
within 1 km (16 within 500 m)
Health
11
hospitals/clinics within 1 km
Recreation
38
parks, libraries, sports within 1 km

Family-friendly — 27 schools within a 1 km walk.

Everyday convenience — 27 shopping and daily-needs spots nearby.

Healthcare close by — 11 hospitals/clinics within 1 km.

Green space & leisure — 38 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com