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Crescira AVM · estimated value Medium confidence
HK$24.81M
≈ HK$22,232 / 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 70% mortgage, the deposit on this unit is about HK$7.44M, with repayments around HK$84,174/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 70%
Term
▼ 0.50% · 3.625%
HK$79,207
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$81,671
−HK$2,503/mo
Today · 4.125%
HK$84,174
baseline
▲ 0.50% · 4.625%
HK$89,296
+HK$5,122/mo

Deposit HK$7.44M · loan HK$17.37M · min. income ≈ HK$168,348/mo (50% DSR)

Upfront cash ≈ HK$8.50M (deposit + AVD stamp duty HK$1,054,484 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
20/F
Flat
3
Saleable Area
1,116 ft²
Gross Area
1,225 ft²
Efficiency
91%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2025-10-15 HK$23.50M +84.6%
28.1y
1997-10-16 HK$12.73M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Causeway Bay
≈ 13 min walk · 1,023 m
Education
40
schools within 1 km (8 within 500 m)
Daily convenience
32
within 1 km (7 within 500 m)
Health
16
hospitals/clinics within 1 km
Recreation
42
parks, libraries, sports within 1 km

Family-friendly — 40 schools within a 1 km walk.

Everyday convenience — 32 shopping and daily-needs spots nearby.

Healthcare close by — 16 hospitals/clinics within 1 km.

Green space & leisure — 42 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com