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Crescira AVM · estimated value ● Medium confidence
HK$3.53M
≈ HK$13,779 / 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$353K, with repayments around HK$15,386/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$14,478
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,929
−HK$457/mo
Today · 4.125%
HK$15,386
baseline
▲ 0.50% · 4.625%
HK$16,322
+HK$936/mo

Deposit HK$353K · loan HK$3.17M · min. income ≈ HK$30,772/mo (50% DSR)

Upfront cash ≈ HK$353K (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
14/F
Flat
D
Saleable Area
256 ft²
Gross Area
369 ft²
Efficiency
69%
District
Southern District · Hong Kong Island
School net (POA)
18

Transaction History

Date Price Gain / loss
2014-01-15 HK$2.75M +137.1%
15.1y
1998-12-16 HK$1.16M −14.1%
2.6y
1996-05-30 HK$1.35M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
South Horizons
≈ 10 min walk · 738 m
Education
21
schools within 1 km (6 within 500 m)
Daily convenience
36
within 1 km (6 within 500 m)
Health
7
hospitals/clinics within 1 km
Recreation
32
parks, libraries, sports within 1 km

Family-friendly — 21 schools within a 1 km walk.

Everyday convenience — 36 shopping and daily-needs spots nearby.

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

Green space & leisure — 32 parks, libraries and sports venues nearby.

Location

Other appraised units in this building