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Crescira AVM · estimated value ● Medium confidence
HK$4.36M
≈ HK$17,788 / 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$436K, with repayments around HK$19,009/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$17,887
−HK$1,122/mo
▼ 0.25% · 3.875%
HK$18,443
−HK$566/mo
Today · 4.125%
HK$19,009
baseline
▲ 0.50% · 4.625%
HK$20,165
+HK$1,156/mo

Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,018/mo (50% DSR)

Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,370 · 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
23/F
Flat
B
Saleable Area
245 ft²
Gross Area
409 ft²
Efficiency
60%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2020-10-16 HK$5.20M +46.5%
4.5y
2016-04-29 HK$3.55M +105.6%
19.5y · 5.0%/yr
1996-11-27 HK$1.73M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Kennedy Town
≈ 3 min walk · 208 m
Education
18
schools within 1 km (10 within 500 m)
Daily convenience
20
within 1 km (12 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
39
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to Kennedy Town Station (a rail station within an 8-min walk earns this label).

Family-friendly — 18 schools within a 1 km walk.

Everyday convenience — 20 shopping and daily-needs spots nearby.

Healthcare close by — 3 hospitals/clinics within 1 km.

Green space & leisure — 39 parks, libraries and sports venues nearby.

Location

Other appraised units in this building