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Crescira AVM · estimated value ● Medium confidence
HK$4.64M
≈ HK$16,344 / 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$464K, with repayments around HK$20,246/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$19,052
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,644
−HK$602/mo
Today · 4.125%
HK$20,246
baseline
▲ 0.50% · 4.625%
HK$21,478
+HK$1,232/mo

Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,492/mo (50% DSR)

Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,668 · 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
A
Saleable Area
284 ft²
Gross Area
426 ft²
Efficiency
67%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2020-01-16 HK$5.58M +16.2%
3.1y
2016-12-02 HK$4.80M +23.1%
4.4y
2012-07-05 HK$3.90M +50.0%
4.4y
2008-02-29 HK$2.60M +24.5%
0.6y
2007-08-28 HK$2.09M +14.1%
6.1y
2007-04-25 HK$1.83M +41.9%
5.8y
2001-07-26 HK$1.29M +7.5%
2.7y
1998-12-16 HK$1.20M —

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