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Crescira AVM · estimated value Medium confidence
HK$3.78M
≈ HK$8,094 / 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$378K, with repayments around HK$16,486/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$15,514
−HK$972/mo
▼ 0.25% · 3.875%
HK$15,996
−HK$490/mo
Today · 4.125%
HK$16,486
baseline
▲ 0.50% · 4.625%
HK$17,490
+HK$1,004/mo

Deposit HK$378K · loan HK$3.40M · min. income ≈ HK$32,972/mo (50% DSR)

Upfront cash ≈ HK$378K (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
2/F
Flat
C
Saleable Area
467 ft²
Gross Area
540 ft²
Efficiency
86%
District
North District · New Territories East
School net (POA)
81

Transaction History

Date Price Gain / loss
2011-07-13 HK$2.10M +34.6%
2010-10-18 HK$1.56M +10.6%
1996-05-31 HK$1.41M +9.3%
1995-12-28 HK$1.29M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Fanling
≈ 10 min walk · 766 m
Education
36
schools within 1 km (13 within 500 m)
Daily convenience
31
within 1 km (10 within 500 m)
Health
11
hospitals/clinics within 1 km
Recreation
41
parks, libraries, sports within 1 km

Family-friendly — 36 schools within a 1 km walk.

Everyday convenience — 31 shopping and daily-needs spots nearby.

Healthcare close by — 11 hospitals/clinics within 1 km.

Green space & leisure — 41 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com