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Crescira AVM · estimated value Medium confidence
HK$3.70M
≈ HK$9,681 / 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$370K, with repayments around HK$16,131/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$15,179
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,651
−HK$480/mo
Today · 4.125%
HK$16,131
baseline
▲ 0.50% · 4.625%
HK$17,112
+HK$981/mo

Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,262/mo (50% DSR)

Upfront cash ≈ HK$370K (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
2/F
Flat
E
Saleable Area
382 ft²
Gross Area
505 ft²
Efficiency
76%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2018-10-26 HK$9.50M +26.7%
3.4y
2018-01-25 HK$7.50M +57.9%
2.5y · 23.0%/yr
2015-08-11 HK$4.75M +25.7%
2011-09-05 HK$3.78M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Causeway Bay
≈ 15 min walk · 1,198 m
Education
31
schools within 1 km (6 within 500 m)
Daily convenience
12
within 1 km (5 within 500 m)
Health
18
hospitals/clinics within 1 km
Recreation
39
parks, libraries, sports within 1 km

Family-friendly — 31 schools within a 1 km walk.

Everyday convenience — 12 shopping and daily-needs spots nearby.

Healthcare close by — 18 hospitals/clinics within 1 km.

Green space & leisure — 39 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com