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Crescira AVM · estimated value ● Medium confidence
HK$44.29M
≈ HK$25,974 / 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$13.29M, with repayments around HK$150,240/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$141,375
−HK$8,865/mo
▼ 0.25% · 3.875%
HK$145,772
−HK$4,468/mo
Today · 4.125%
HK$150,240
baseline
▲ 0.50% · 4.625%
HK$159,382
+HK$9,142/mo

Deposit HK$13.29M · loan HK$31.00M · min. income ≈ HK$300,480/mo (50% DSR)

Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,882,126 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
20/F
Flat
A
Saleable Area
1,705 ft²
Gross Area
2,314 ft²
Efficiency
74%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2004-03-08 HK$12.00M +27.0%
2.2y
2002-01-05 HK$9.45M −43.9%
3.7y
1998-04-24 HK$16.85M −13.6%
0.9y
1997-06-24 HK$19.50M +39.3%
1.1y
1996-06-07 HK$14.00M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Central
≈ 9 min walk · 661 m
Education
28
schools within 1 km (10 within 500 m)
Daily convenience
56
within 1 km (11 within 500 m)
Health
10
hospitals/clinics within 1 km
Recreation
59
parks, libraries, sports within 1 km

Family-friendly — 28 schools within a 1 km walk.

Everyday convenience — 56 shopping and daily-needs spots nearby.

Healthcare close by — 10 hospitals/clinics within 1 km.

Green space & leisure — 59 parks, libraries and sports venues nearby.

Location

Other appraised units in this building