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Crescira AVM · estimated value ● Medium confidence
HK$4.55M
≈ HK$9,389 / 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 90% mortgage, the deposit on this unit is about HK$455K, with repayments around HK$19,863/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$18,691
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$19,272
−HK$591/mo
Today · 4.125%
HK$19,863
baseline
▲ 0.50% · 4.625%
HK$21,071
+HK$1,208/mo

Deposit HK$455K · loan HK$4.10M · min. income ≈ HK$39,726/mo (50% DSR)

Upfront cash ≈ HK$528K (deposit + AVD stamp duty HK$72,876 · 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
8/F
Flat
A
Saleable Area
485 ft²
Gross Area
592 ft²
Efficiency
82%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2014-01-03 HK$5.80M −8.7%
1.0y
2012-12-27 HK$6.35M +70.7%
4.8y
2008-03-12 HK$3.72M +65.3%
2006-09-01 HK$2.25M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Causeway Bay
≈ 15 min walk · 1,181 m
Education
32
schools within 1 km (8 within 500 m)
Daily convenience
19
within 1 km (5 within 500 m)
Health
18
hospitals/clinics within 1 km
Recreation
38
parks, libraries, sports within 1 km

Family-friendly — 32 schools within a 1 km walk.

Everyday convenience — 19 shopping and daily-needs spots nearby.

Healthcare close by — 18 hospitals/clinics within 1 km.

Green space & leisure — 38 parks, libraries and sports venues nearby.

Location

Other appraised units in this building