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Crescira AVM · estimated value ● Medium confidence
HK$2.60M
≈ HK$9,146 / 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$260K, with repayments around HK$11,329/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$10,661
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,992
−HK$337/mo
Today · 4.125%
HK$11,329
baseline
▲ 0.50% · 4.625%
HK$12,019
+HK$690/mo

Deposit HK$260K · loan HK$2.34M · min. income ≈ HK$22,658/mo (50% DSR)

Upfront cash ≈ HK$260K (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
5/F
Flat
G
Saleable Area
284 ft²
Gross Area
410 ft²
Efficiency
69%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2008-06-12 HK$1.75M +15.9%
0.5y
2008-01-03 HK$1.51M +5.6%
2.6y
2007-12-07 HK$1.43M +58.9%
2.6y
2005-05-25 HK$900K —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Wan Chai
≈ 2 min walk · 86 m
Education
24
schools within 1 km (13 within 500 m)
Daily convenience
56
within 1 km (35 within 500 m)
Health
21
hospitals/clinics within 1 km
Recreation
65
parks, libraries, sports within 1 km

Excellent connectivity — about 2 min walk to Wan Chai Station (a rail station within an 8-min walk earns this label).

Family-friendly — 24 schools within a 1 km walk.

Everyday convenience — 56 shopping and daily-needs spots nearby.

Healthcare close by — 21 hospitals/clinics within 1 km.

Green space & leisure — 65 parks, libraries and sports venues nearby.

Location

Other appraised units in this building