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Crescira AVM · estimated value Medium confidence
HK$5.87M
≈ HK$6,248 / 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$587K, with repayments around HK$25,620/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$24,108
−HK$1,512/mo
▼ 0.25% · 3.875%
HK$24,858
−HK$762/mo
Today · 4.125%
HK$25,620
baseline
▲ 0.50% · 4.625%
HK$27,179
+HK$1,559/mo

Deposit HK$587K · loan HK$5.29M · min. income ≈ HK$51,240/mo (50% DSR)

Upfront cash ≈ HK$720K (deposit + AVD stamp duty HK$132,156 · 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

Block
11-21 YEN CHOW STREET
Floor
5/F
Flat
11號
Saleable Area
940 ft²
District
Sham Shui Po District · Kowloon
School net (POA)
40

Transaction History

Date Price Gain / loss
2024-04-16 HK$6.30M +110.0%
2021-01-08 HK$3.00M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sham Shui Po
≈ 6 min walk · 461 m
Education
76
schools within 1 km (10 within 500 m)
Daily convenience
70
within 1 km (15 within 500 m)
Health
10
hospitals/clinics within 1 km
Recreation
60
parks, libraries, sports within 1 km

Excellent connectivity — about 6 min walk to Sham Shui Po Station (a rail station within an 8-min walk earns this label).

Family-friendly — 76 schools within a 1 km walk.

Everyday convenience — 70 shopping and daily-needs spots nearby.

Healthcare close by — 10 hospitals/clinics within 1 km.

Green space & leisure — 60 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com