Skip to content
Crescira AVM · estimated value Medium confidence
HK$4.43M
≈ HK$7,137 / 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 90% mortgage, the deposit on this unit is about HK$443K, with repayments around HK$19,332/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$18,191
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$18,757
−HK$575/mo
Today · 4.125%
HK$19,332
baseline
▲ 0.50% · 4.625%
HK$20,508
+HK$1,176/mo

Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,664/mo (50% DSR)

Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,480 · 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
5/F
Flat
85號
Saleable Area
621 ft²
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2022-06-27 HK$5.60M +180.0%
13.1y
2009-05-26 HK$2.00M +19.0%
2008-11-03 HK$1.68M +13.5%
2008-10-17 HK$1.48M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
North Point
≈ 5 min walk · 336 m
Education
47
schools within 1 km (20 within 500 m)
Daily convenience
46
within 1 km (27 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
41
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 — 47 schools within a 1 km walk.

Everyday convenience — 46 shopping and daily-needs spots nearby.

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

Green space & leisure — 41 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com