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Crescira AVM · estimated value Medium confidence
HK$6.49M
≈ HK$14,582 / 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$649K, with repayments around HK$28,304/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$26,634
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,462
−HK$842/mo
Today · 4.125%
HK$28,304
baseline
▲ 0.50% · 4.625%
HK$30,026
+HK$1,722/mo

Deposit HK$649K · loan HK$5.84M · min. income ≈ HK$56,608/mo (50% DSR)

Upfront cash ≈ HK$833K (deposit + AVD stamp duty HK$183,896 · 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
15/F
Flat
B5
Saleable Area
445 ft²
District
Tai Po District · New Territories East
School net (POA)
84

Transaction History

Date Price Gain / loss
2026-05-04 HK$6.37M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Tai Wo
≈ 11 min walk · 845 m
Education
22
schools within 1 km (1 within 500 m)
Daily convenience
15
within 1 km (0 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
17
parks, libraries, sports within 1 km

Family-friendly — 22 schools within a 1 km walk.

Everyday convenience — 15 shopping and daily-needs spots nearby.

Green space & leisure — 17 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com