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Crescira AVM · estimated value ● Medium confidence
HK$19.28M
≈ HK$16,481 / 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$5.78M, with repayments around HK$65,416/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$61,556
−HK$3,860/mo
▼ 0.25% · 3.875%
HK$63,471
−HK$1,945/mo
Today · 4.125%
HK$65,416
baseline
▲ 0.50% · 4.625%
HK$69,397
+HK$3,981/mo

Deposit HK$5.78M · loan HK$13.50M · min. income ≈ HK$130,832/mo (50% DSR)

Upfront cash ≈ HK$6.51M (deposit + AVD stamp duty HK$723,090 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
5/F
Flat
74號
Saleable Area
1,170 ft²
Gross Area
1,308 ft²
Efficiency
89%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2020-11-26 HK$37.25M +238.6%
16.5y
2004-05-31 HK$11.00M +13.6%
3.2y
2001-04-19 HK$9.68M −24.4%
3.0y
1998-04-15 HK$12.80M −3.6%
1.0y
1997-04-07 HK$13.28M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Causeway Bay
≈ 19 min walk · 1,460 m
(quite far — consider other transport options)
Education
26
schools within 1 km (7 within 500 m)
Daily convenience
8
within 1 km (5 within 500 m)
Health
4
hospitals/clinics within 1 km
Recreation
31
parks, libraries, sports within 1 km

Family-friendly — 26 schools within a 1 km walk.

Everyday convenience — 8 shopping and daily-needs spots nearby.

Healthcare close by — 4 hospitals/clinics within 1 km.

Green space & leisure — 31 parks, libraries and sports venues nearby.

Location

Other appraised units in this building