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Crescira AVM · estimated value ● Medium confidence
HK$3.96M
≈ HK$11,752 / 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$396K, with repayments around HK$17,274/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$16,255
−HK$1,019/mo
▼ 0.25% · 3.875%
HK$16,760
−HK$514/mo
Today · 4.125%
HK$17,274
baseline
▲ 0.50% · 4.625%
HK$18,325
+HK$1,051/mo

Deposit HK$396K · loan HK$3.56M · min. income ≈ HK$34,548/mo (50% DSR)

Upfront cash ≈ HK$396K (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
8/F
Flat
22號
Saleable Area
337 ft²
Gross Area
639 ft²
Efficiency
53%
District
Kowloon City District · Kowloon
School net (POA)
34

Transaction History

Date Price Gain / loss
2014-09-15 HK$3.45M +67.5%
2.8y
2011-11-18 HK$2.06M +42.1%
3.7y
2008-03-28 HK$1.45M +25.5%
0.3y
2007-12-07 HK$1.16M −29.9%
9.1y
1998-10-31 HK$1.65M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
To Kwa Wan
≈ 2 min walk · 99 m
Education
70
schools within 1 km (24 within 500 m)
Daily convenience
35
within 1 km (17 within 500 m)
Health
10
hospitals/clinics within 1 km
Recreation
51
parks, libraries, sports within 1 km

Excellent connectivity — about 2 min walk to To Kwa Wan Station (a rail station within an 8-min walk earns this label).

Family-friendly — 70 schools within a 1 km walk.

Everyday convenience — 35 shopping and daily-needs spots nearby.

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

Green space & leisure — 51 parks, libraries and sports venues nearby.

Location

Other appraised units in this building