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Crescira AVM · estimated value ● Medium confidence
HK$20.63M
≈ HK$17,081 / 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$6.19M, with repayments around HK$70,003/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$65,872
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$67,921
−HK$2,082/mo
Today · 4.125%
HK$70,003
baseline
▲ 0.50% · 4.625%
HK$74,262
+HK$4,259/mo

Deposit HK$6.19M · loan HK$14.44M · min. income ≈ HK$140,006/mo (50% DSR)

Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$813,428 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
21/F
Flat
A
Saleable Area
1,208 ft²
Gross Area
1,700 ft²
Efficiency
71%
District
Kowloon City District · Kowloon
School net (POA)
34

Transaction History

Date Price Gain / loss
2002-12-13 HK$6.85M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
To Kwa Wan
≈ 11 min walk · 817 m
Education
105
schools within 1 km (27 within 500 m)
Daily convenience
33
within 1 km (1 within 500 m)
Health
11
hospitals/clinics within 1 km
Recreation
57
parks, libraries, sports within 1 km

Family-friendly — 105 schools within a 1 km walk.

Everyday convenience — 33 shopping and daily-needs spots nearby.

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

Green space & leisure — 57 parks, libraries and sports venues nearby.

Location

Other appraised units in this building