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Crescira AVM · estimated value ● Medium confidence
HK$4.09M
≈ HK$13,534 / 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$409K, with repayments around HK$17,827/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$16,775
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,297
−HK$530/mo
Today · 4.125%
HK$17,827
baseline
▲ 0.50% · 4.625%
HK$18,912
+HK$1,085/mo

Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,654/mo (50% DSR)

Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,527 · 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
5/F
Flat
B
Saleable Area
302 ft²
Gross Area
433 ft²
Efficiency
70%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2018-01-09 HK$5.18M +26.3%
5.1y
2012-11-16 HK$4.10M +36.7%
2.3y
2010-08-12 HK$3.00M +31.6%
2.6y
2008-01-16 HK$2.28M +82.4%
2.6y
2005-06-10 HK$1.25M +15.7%
0.4y
2004-12-28 HK$1.08M +11.3%
2004-11-02 HK$970K —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sheung Wan
≈ 5 min walk · 344 m
Education
42
schools within 1 km (21 within 500 m)
Daily convenience
66
within 1 km (31 within 500 m)
Health
19
hospitals/clinics within 1 km
Recreation
64
parks, libraries, sports within 1 km

Excellent connectivity — about 5 min walk to Sheung Wan Station (a rail station within an 8-min walk earns this label).

Family-friendly — 42 schools within a 1 km walk.

Everyday convenience — 66 shopping and daily-needs spots nearby.

Healthcare close by — 19 hospitals/clinics within 1 km.

Green space & leisure — 64 parks, libraries and sports venues nearby.

Location

Other appraised units in this building