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Crescira AVM · estimated value ● Medium confidence
HK$3.93M
≈ HK$14,184 / 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$393K, with repayments around HK$17,137/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$16,126
−HK$1,011/mo
▼ 0.25% · 3.875%
HK$16,627
−HK$510/mo
Today · 4.125%
HK$17,137
baseline
▲ 0.50% · 4.625%
HK$18,180
+HK$1,043/mo

Deposit HK$393K · loan HK$3.54M · min. income ≈ HK$34,274/mo (50% DSR)

Upfront cash ≈ HK$393K (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
15/F
Flat
A
Saleable Area
277 ft²
Gross Area
382 ft²
Efficiency
73%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2011-05-25 HK$2.97M +29.1%
0.9y
2010-07-09 HK$2.30M +8.1%
1.6y
2010-05-18 HK$2.13M +63.7%
1.4y
2008-12-08 HK$1.30M −36.6%
11.3y
1997-08-13 HK$2.05M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Wan Chai
≈ 2 min walk · 114 m
Education
24
schools within 1 km (8 within 500 m)
Daily convenience
53
within 1 km (30 within 500 m)
Health
21
hospitals/clinics within 1 km
Recreation
64
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 — 53 shopping and daily-needs spots nearby.

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

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

Location

Other appraised units in this building