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Crescira AVM · estimated value Medium confidence
HK$4.36M
≈ HK$15,022 / ft² saleable · updated 2026-08-01
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$19,001/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$17,880
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,436
−HK$565/mo
Today · 4.125%
HK$19,001
baseline
▲ 0.50% · 4.625%
HK$20,157
+HK$1,156/mo

Deposit HK$436K · loan HK$3.92M · min. income ≈ HK$38,002/mo (50% DSR)

Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,344 · 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
20/F
Flat
B
Saleable Area
290 ft²
Gross Area
419 ft²
Efficiency
69%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2021-03-24 HK$5.60M +19.7%
8.4y
2012-11-28 HK$4.68M +146.3%
2007-11-05 HK$1.90M +65.2%
2004-12-30 HK$1.15M −55.8%
1997-05-22 HK$2.60M +18.2%
1997-01-23 HK$2.20M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Causeway Bay
≈ 17 min walk · 1,329 m
(quite far — consider other transport options)
Education
26
schools within 1 km (8 within 500 m)
Daily convenience
7
within 1 km (5 within 500 m)
Health
4
hospitals/clinics within 1 km
Recreation
31
parks, libraries, sports within 1 km

Family-friendly — 26 schools within a 1 km walk.

Everyday convenience — 7 shopping and daily-needs spots nearby.

Healthcare close by — 4 hospitals/clinics within 1 km.

Green space & leisure — 31 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com