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Crescira AVM · estimated value Medium confidence
HK$5.07M
≈ HK$9,503 / 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$507K, with repayments around HK$22,134/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$20,828
−HK$1,306/mo
▼ 0.25% · 3.875%
HK$21,476
−HK$658/mo
Today · 4.125%
HK$22,134
baseline
▲ 0.50% · 4.625%
HK$23,481
+HK$1,347/mo

Deposit HK$507K · loan HK$4.57M · min. income ≈ HK$44,268/mo (50% DSR)

Upfront cash ≈ HK$622K (deposit + AVD stamp duty HK$114,174 · 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
21/F
Flat
G
Saleable Area
534 ft²
Gross Area
680 ft²
Efficiency
79%
District
Kwun Tong District · Kowloon
School net (POA)
48

Transaction History

Date Price Gain / loss
2008-01-10 HK$2.00M +60.0%
2002-04-10 HK$1.25M −52.5%
1995-11-29 HK$2.63M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Ngau Tau Kok
≈ 7 min walk · 490 m
Education
44
schools within 1 km (18 within 500 m)
Daily convenience
46
within 1 km (14 within 500 m)
Health
9
hospitals/clinics within 1 km
Recreation
61
parks, libraries, sports within 1 km

Excellent connectivity — about 7 min walk to Ngau Tau Kok Station (a rail station within an 8-min walk earns this label).

Family-friendly — 44 schools within a 1 km walk.

Everyday convenience — 46 shopping and daily-needs spots nearby.

Healthcare close by — 9 hospitals/clinics within 1 km.

Green space & leisure — 61 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com