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Crescira AVM · estimated value ● Medium confidence
HK$52.01M
≈ HK$25,384 / 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 70% mortgage, the deposit on this unit is about HK$15.60M, with repayments around HK$176,456/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 70%
Term
▼ 0.50% · 3.625%
HK$166,043
−HK$10,413/mo
▼ 0.25% · 3.875%
HK$171,208
−HK$5,248/mo
Today · 4.125%
HK$176,456
baseline
▲ 0.50% · 4.625%
HK$187,193
+HK$10,737/mo

Deposit HK$15.60M · loan HK$36.41M · min. income ≈ HK$352,912/mo (50% DSR)

Upfront cash ≈ HK$17.81M (deposit + AVD stamp duty HK$2,210,543 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
1/F
Flat
2座 (38號)
Saleable Area
2,049 ft²
Gross Area
2,288 ft²
Efficiency
90%
District
Southern District · Hong Kong Island
School net (POA)
18

Transaction History

Date Price Gain / loss
2008-01-14 HK$30.00M +25.0%
9.9y
1998-02-21 HK$24.00M +751.1%
1.1y
1997-02-11 HK$2.82M −82.4%
1996-12-21 HK$16.00M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Ocean Park
≈ 28 min walk · 2,171 m
(quite far — consider other transport options)
Education
2
schools within 1 km (2 within 500 m)
Daily convenience
4
within 1 km (2 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
7
parks, libraries, sports within 1 km

Everyday convenience — 4 shopping and daily-needs spots nearby.

Green space & leisure — 7 parks, libraries and sports venues nearby.

Location

Other appraised units in this building