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Crescira AVM · estimated value Medium confidence
HK$4.11M
≈ HK$14,459 / 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$411K, with repayments around HK$17,911/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$16,854
−HK$1,057/mo
▼ 0.25% · 3.875%
HK$17,379
−HK$532/mo
Today · 4.125%
HK$17,911
baseline
▲ 0.50% · 4.625%
HK$19,001
+HK$1,090/mo

Deposit HK$411K · loan HK$3.70M · min. income ≈ HK$35,822/mo (50% DSR)

Upfront cash ≈ HK$432K (deposit + AVD stamp duty HK$21,369 · 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
11/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
2021-03-08 HK$5.20M +6.3%
4.0y
2017-03-21 HK$4.89M +365.7%
13.3y
2003-11-21 HK$1.05M −22.2%
2000-04-11 HK$1.35M

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