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Crescira AVM · estimated value Medium confidence
HK$2.18M
≈ HK$5,628 / 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$218K, with repayments around HK$9,524/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$8,962
−HK$562/mo
▼ 0.25% · 3.875%
HK$9,241
−HK$283/mo
Today · 4.125%
HK$9,524
baseline
▲ 0.50% · 4.625%
HK$10,104
+HK$580/mo

Deposit HK$218K · loan HK$1.97M · min. income ≈ HK$19,048/mo (50% DSR)

Upfront cash ≈ HK$218K (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
4/F
Flat
22號
Saleable Area
388 ft²
District
Sham Shui Po District · Kowloon
School net (POA)
40

Transaction History

Date Price Gain / loss
2025-01-02 HK$2.15M +21.5%
14.2y
2010-11-05 HK$1.77M +65.4%
2008-10-10 HK$1.07M +18.9%
2008-08-27 HK$900K −1.1%
1996-11-20 HK$910K +21.3%
1996-08-20 HK$750K

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sham Shui Po
≈ 6 min walk · 425 m
Education
71
schools within 1 km (12 within 500 m)
Daily convenience
73
within 1 km (19 within 500 m)
Health
13
hospitals/clinics within 1 km
Recreation
59
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 — 71 schools within a 1 km walk.

Everyday convenience — 73 shopping and daily-needs spots nearby.

Healthcare close by — 13 hospitals/clinics within 1 km.

Green space & leisure — 59 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com