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Crescira AVM · estimated value Medium confidence
HK$4.64M
≈ HK$12,564 / 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$464K, with repayments around HK$20,223/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$19,029
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,621
−HK$602/mo
Today · 4.125%
HK$20,223
baseline
▲ 0.50% · 4.625%
HK$21,453
+HK$1,230/mo

Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$40,446/mo (50% DSR)

Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,130 · 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
3/F
Flat
A
Saleable Area
369 ft²
Gross Area
516 ft²
Efficiency
72%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2020-09-02 HK$5.65M +83.4%
10.4y
2010-04-23 HK$3.08M +0.0%
2008-04-14 HK$3.08M +11.6%
2008-01-30 HK$2.76M +17.4%
2007-12-13 HK$2.35M +9.3%
2007-06-29 HK$2.15M −18.6%
1997-07-11 HK$2.64M +31.3%
1997-02-19 HK$2.01M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Causeway Bay
≈ 18 min walk · 1,435 m
(quite far — consider other transport options)
Education
25
schools within 1 km (7 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 — 25 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