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Crescira AVM · estimated value ● Medium confidence
HK$4.59M
≈ HK$11,228 / 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$459K, with repayments around HK$20,031/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$18,849
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,435
−HK$596/mo
Today · 4.125%
HK$20,031
baseline
▲ 0.50% · 4.625%
HK$21,250
+HK$1,219/mo

Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,062/mo (50% DSR)

Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,731 · 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
13/F
Flat
B
Saleable Area
409 ft²
Gross Area
500 ft²
Efficiency
82%
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2020-07-07 HK$6.33M +41.3%
6.2y
2014-05-07 HK$4.48M +75.7%
4.2y
2010-02-24 HK$2.55M +99.2%
6.1y
2004-01-17 HK$1.28M +30.6%
0.2y
2003-10-21 HK$980K −56.4%
5.4y
1998-05-27 HK$2.25M +18.4%
2.1y
1996-05-06 HK$1.90M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
North Point
≈ 4 min walk · 260 m
Education
49
schools within 1 km (26 within 500 m)
Daily convenience
47
within 1 km (24 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
43
parks, libraries, sports within 1 km

Excellent connectivity — about 4 min walk to North Point 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 — 3 hospitals/clinics within 1 km.

Green space & leisure — 43 parks, libraries and sports venues nearby.

Location

Other appraised units in this building