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Crescira AVM · estimated value Medium confidence
HK$4.78M
≈ HK$11,723 / 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$478K, with repayments around HK$20,863/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$19,632
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,243
−HK$620/mo
Today · 4.125%
HK$20,863
baseline
▲ 0.50% · 4.625%
HK$22,133
+HK$1,270/mo

Deposit HK$478K · loan HK$4.30M · min. income ≈ HK$41,726/mo (50% DSR)

Upfront cash ≈ HK$574K (deposit + AVD stamp duty HK$95,812 · 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
12/F
Flat
2
Saleable Area
408 ft²
Gross Area
522 ft²
Efficiency
78%
District
Sha Tin District · New Territories East
School net (POA)
91

Transaction History

Date Price Gain / loss
2022-06-13 HK$5.70M +47.7%
8.0y
2014-07-08 HK$3.86M +35.4%
2011-08-22 HK$2.85M +50.0%
2009-11-20 HK$1.90M +11.8%
2009-08-17 HK$1.70M +0.0%
2008-10-15 HK$1.70M +18.9%
2005-05-30 HK$1.43M +16.3%
2004-05-03 HK$1.23M −52.1%
1997-02-22 HK$2.57M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Fo Tan
≈ 9 min walk · 650 m
Education
30
schools within 1 km (8 within 500 m)
Daily convenience
20
within 1 km (7 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
18
parks, libraries, sports within 1 km

Family-friendly — 30 schools within a 1 km walk.

Everyday convenience — 20 shopping and daily-needs spots nearby.

Green space & leisure — 18 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com