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Crescira AVM · estimated value ● Medium confidence
HK$2.89M
≈ HK$9,901 / 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 90% mortgage, the deposit on this unit is about HK$289K, with repayments around HK$12,611/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$11,866
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,236
−HK$375/mo
Today · 4.125%
HK$12,611
baseline
▲ 0.50% · 4.625%
HK$13,378
+HK$767/mo

Deposit HK$289K · loan HK$2.60M · min. income ≈ HK$25,222/mo (50% DSR)

Upfront cash ≈ HK$289K (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
6/F
Flat
C
Saleable Area
292 ft²
Gross Area
395 ft²
Efficiency
74%
District
Sham Shui Po District · Kowloon
School net (POA)
40

Transaction History

Date Price Gain / loss
2025-06-20 HK$2.75M −31.2%
5.9y
2019-08-05 HK$4.00M +33.3%
4.4y
2015-02-26 HK$3.00M +106.9%
4.2y
2010-12-03 HK$1.45M +88.3%
3.4y
2007-07-13 HK$770K +7.7%
0.2y
2007-05-03 HK$715K −31.1%
8.4y
1998-12-23 HK$1.04M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sham Shui Po
≈ 3 min walk · 202 m
Education
90
schools within 1 km (21 within 500 m)
Daily convenience
75
within 1 km (24 within 500 m)
Health
12
hospitals/clinics within 1 km
Recreation
68
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to Sham Shui Po Station (a rail station within an 8-min walk earns this label).

Family-friendly — 90 schools within a 1 km walk.

Everyday convenience — 75 shopping and daily-needs spots nearby.

Healthcare close by — 12 hospitals/clinics within 1 km.

Green space & leisure — 68 parks, libraries and sports venues nearby.

Location

Other appraised units in this building