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Crescira AVM · estimated value Medium confidence
HK$2.36M
≈ HK$5,244 / 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$236K, with repayments around HK$10,316/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$9,707
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,009
−HK$307/mo
Today · 4.125%
HK$10,316
baseline
▲ 0.50% · 4.625%
HK$10,943
+HK$627/mo

Deposit HK$236K · loan HK$2.13M · min. income ≈ HK$20,632/mo (50% DSR)

Upfront cash ≈ HK$237K (deposit + AVD stamp duty HK$100 · 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
2/F
Flat
50號(前座)
Saleable Area
451 ft²
District
Sham Shui Po District · Kowloon
School net (POA)
40

Transaction History

Date Price Gain / loss
2024-08-01 HK$3.00M −11.2%
1.3y
2023-05-18 HK$3.38M +25.2%
5.1y
2018-04-30 HK$2.70M +0.0%
20.5y
2017-09-12 HK$2.70M +200.0%
19.9y · 10.0%/yr
1997-11-11 HK$900K

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Lai Chi Kok
≈ 8 min walk · 615 m
Education
48
schools within 1 km (11 within 500 m)
Daily convenience
54
within 1 km (22 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
31
parks, libraries, sports within 1 km

Family-friendly — 48 schools within a 1 km walk.

Everyday convenience — 54 shopping and daily-needs spots nearby.

Healthcare close by — 3 hospitals/clinics within 1 km.

Green space & leisure — 31 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com