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Crescira AVM · estimated value Medium confidence
HK$4.88M
≈ HK$11,933 / 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$488K, with repayments around HK$21,289/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$20,033
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,656
−HK$633/mo
Today · 4.125%
HK$21,289
baseline
▲ 0.50% · 4.625%
HK$22,584
+HK$1,295/mo

Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,578/mo (50% DSR)

Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,568 · 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
7/F
Flat
B
Saleable Area
409 ft²
Gross Area
489 ft²
Efficiency
84%
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2025-04-08 HK$4.45M −25.8%
5.5y
2019-10-21 HK$6.00M +77.5%
7.6y
2012-03-07 HK$3.38M +24.3%
2010-09-27 HK$2.72M +37.4%
2007-10-10 HK$1.98M +11.2%
2007-07-09 HK$1.78M −14.4%
1996-10-29 HK$2.08M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
North Point
≈ 4 min walk · 311 m
Education
40
schools within 1 km (15 within 500 m)
Daily convenience
37
within 1 km (20 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
36
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 — 40 schools within a 1 km walk.

Everyday convenience — 37 shopping and daily-needs spots nearby.

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

Green space & leisure — 36 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com