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Crescira AVM · estimated value ● Medium confidence
HK$3.75M
≈ HK$8,126 / ft² saleable · updated 2026-09-01
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$375K, with repayments around HK$16,375/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$15,409
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,888
−HK$487/mo
Today · 4.125%
HK$16,375
baseline
▲ 0.50% · 4.625%
HK$17,371
+HK$996/mo

Deposit HK$375K · loan HK$3.38M · min. income ≈ HK$32,750/mo (50% DSR)

Upfront cash ≈ HK$376K (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
A
Saleable Area
462 ft²
Gross Area
605 ft²
Efficiency
76%
District
Kowloon City District · Kowloon
School net (POA)
35

Transaction History

Date Price Gain / loss
2021-12-14 HK$5.06M +153.0%
11.9y
2010-02-12 HK$2.00M +66.9%
3.6y
2006-07-05 HK$1.20M −4.9%
11.0y
1995-08-08 HK$1.26M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
To Kwa Wan
≈ 8 min walk · 622 m
Education
61
schools within 1 km (18 within 500 m)
Daily convenience
59
within 1 km (12 within 500 m)
Health
7
hospitals/clinics within 1 km
Recreation
66
parks, libraries, sports within 1 km

Family-friendly — 61 schools within a 1 km walk.

Everyday convenience — 59 shopping and daily-needs spots nearby.

Healthcare close by — 7 hospitals/clinics within 1 km.

Green space & leisure — 66 parks, libraries and sports venues nearby.

Location

Other appraised units in this building