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Crescira AVM · estimated value ● Medium confidence
HK$5.15M
≈ HK$11,890 / 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$515K, with repayments around HK$22,456/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$21,131
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$21,789
−HK$667/mo
Today · 4.125%
HK$22,456
baseline
▲ 0.50% · 4.625%
HK$23,823
+HK$1,367/mo

Deposit HK$515K · loan HK$4.63M · min. income ≈ HK$44,912/mo (50% DSR)

Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,839 · 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
10/F
Flat
A
Saleable Area
433 ft²
Gross Area
556 ft²
Efficiency
78%
District
Kowloon City District · Kowloon
School net (POA)
35

Transaction History

Date Price Gain / loss
2023-05-04 HK$6.10M +111.8%
26.2y
1997-03-14 HK$2.88M +46.3%
1.4y
1995-11-07 HK$1.97M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
To Kwa Wan
≈ 9 min walk · 656 m
Education
57
schools within 1 km (17 within 500 m)
Daily convenience
56
within 1 km (12 within 500 m)
Health
6
hospitals/clinics within 1 km
Recreation
65
parks, libraries, sports within 1 km

Family-friendly — 57 schools within a 1 km walk.

Everyday convenience — 56 shopping and daily-needs spots nearby.

Healthcare close by — 6 hospitals/clinics within 1 km.

Green space & leisure — 65 parks, libraries and sports venues nearby.

Location

Other appraised units in this building