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Crescira AVM · estimated value ● Medium confidence
HK$44.89M
≈ HK$20,413 / 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 70% mortgage, the deposit on this unit is about HK$13.47M, with repayments around HK$152,282/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$143,296
−HK$8,986/mo
▼ 0.25% · 3.875%
HK$147,754
−HK$4,528/mo
Today · 4.125%
HK$152,282
baseline
▲ 0.50% · 4.625%
HK$161,548
+HK$9,266/mo

Deposit HK$13.47M · loan HK$31.42M · min. income ≈ HK$304,564/mo (50% DSR)

Upfront cash ≈ HK$15.37M (deposit + AVD stamp duty HK$1,907,712 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
1/F
Flat
NO. 4A
Saleable Area
2,199 ft²
Gross Area
2,800 ft²
Efficiency
79%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2016-07-12 HK$30.00M +119.8%
10.4y · 12.0%/yr
2006-02-03 HK$13.65M −1.7%
8.6y
1997-07-28 HK$13.88M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Wan Chai
≈ 10 min walk · 751 m
Education
33
schools within 1 km (11 within 500 m)
Daily convenience
54
within 1 km (2 within 500 m)
Health
21
hospitals/clinics within 1 km
Recreation
57
parks, libraries, sports within 1 km

Family-friendly — 33 schools within a 1 km walk.

Everyday convenience — 54 shopping and daily-needs spots nearby.

Healthcare close by — 21 hospitals/clinics within 1 km.

Green space & leisure — 57 parks, libraries and sports venues nearby.

Location

Other appraised units in this building