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Crescira AVM · estimated value Medium confidence
HK$21.28M
≈ HK$19,017 / 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$6.38M, with repayments around HK$72,192/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$67,932
−HK$4,260/mo
▼ 0.25% · 3.875%
HK$70,045
−HK$2,147/mo
Today · 4.125%
HK$72,192
baseline
▲ 0.50% · 4.625%
HK$76,585
+HK$4,393/mo

Deposit HK$6.38M · loan HK$14.90M · min. income ≈ HK$144,384/mo (50% DSR)

Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$877,955 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
20/F
Flat
B
Saleable Area
1,119 ft²
Gross Area
1,399 ft²
Efficiency
80%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2008-02-06 HK$12.88M +5.6%
1997-10-08 HK$12.20M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sai Ying Pun
≈ 3 min walk · 173 m
Education
49
schools within 1 km (25 within 500 m)
Daily convenience
47
within 1 km (16 within 500 m)
Health
15
hospitals/clinics within 1 km
Recreation
69
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to Sai Ying Pun Station (a rail station within an 8-min walk earns this label).

Family-friendly — 49 schools within a 1 km walk.

Everyday convenience — 47 shopping and daily-needs spots nearby.

Healthcare close by — 15 hospitals/clinics within 1 km.

Green space & leisure — 69 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com