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Crescira AVM · estimated value ● Medium confidence
HK$2.18M
≈ HK$15,677 / 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$218K, with repayments around HK$9,505/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$8,944
−HK$561/mo
▼ 0.25% · 3.875%
HK$9,222
−HK$283/mo
Today · 4.125%
HK$9,505
baseline
▲ 0.50% · 4.625%
HK$10,083
+HK$578/mo

Deposit HK$218K · loan HK$1.96M · min. income ≈ HK$19,010/mo (50% DSR)

Upfront cash ≈ HK$218K (deposit + AVD stamp duty HK$100 · 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
19/F
Flat
A
Saleable Area
139 ft²
Gross Area
204 ft²
Efficiency
68%
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2025-11-25 HK$3.46M +0.0%
4.4y
2021-06-24 HK$3.46M +3.1%
4.2y
2020-10-07 HK$3.35M +7.3%
3.5y · 2.0%/yr
2017-03-21 HK$3.13M +73.8%
6.3y
2010-12-17 HK$1.80M +9.1%
0.2y
2010-09-17 HK$1.65M +18.7%
2.4y
2008-05-15 HK$1.39M +8.6%
10.7y
1997-09-04 HK$1.28M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
North Point
≈ 5 min walk · 396 m
Education
37
schools within 1 km (14 within 500 m)
Daily convenience
33
within 1 km (16 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
34
parks, libraries, sports within 1 km

Excellent connectivity — about 5 min walk to North Point Station (a rail station within an 8-min walk earns this label).

Family-friendly — 37 schools within a 1 km walk.

Everyday convenience — 33 shopping and daily-needs spots nearby.

Healthcare close by — 3 hospitals/clinics within 1 km.

Green space & leisure — 34 parks, libraries and sports venues nearby.

Location

Other appraised units in this building