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Crescira AVM · estimated value Medium confidence
HK$4.09M
≈ HK$8,441 / 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$409K, with repayments around HK$17,820/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$16,768
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,290
−HK$530/mo
Today · 4.125%
HK$17,820
baseline
▲ 0.50% · 4.625%
HK$18,904
+HK$1,084/mo

Deposit HK$409K · loan HK$3.68M · min. income ≈ HK$35,640/mo (50% DSR)

Upfront cash ≈ HK$426K (deposit + AVD stamp duty HK$17,187 · 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
12/F
Flat
E
Saleable Area
484 ft²
Gross Area
610 ft²
Efficiency
79%
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2026-03-18 HK$4.80M −23.8%
4.9y
2021-05-10 HK$6.30M +215.0%
10.5y
2010-11-08 HK$2.00M +5.3%
2007-06-20 HK$1.90M +72.7%
2001-09-06 HK$1.10M −41.2%
1997-04-23 HK$1.87M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
North Point
≈ 4 min walk · 252 m
Education
46
schools within 1 km (17 within 500 m)
Daily convenience
46
within 1 km (23 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
38
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 — 46 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 — 38 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com