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Crescira AVM · estimated value ● Medium confidence
HK$3.21M
≈ HK$14,259 / 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$321K, with repayments around HK$13,994/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$13,168
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,578
−HK$416/mo
Today · 4.125%
HK$13,994
baseline
▲ 0.50% · 4.625%
HK$14,845
+HK$851/mo

Deposit HK$321K · loan HK$2.89M · min. income ≈ HK$27,988/mo (50% DSR)

Upfront cash ≈ HK$321K (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
4/F
Flat
1
Saleable Area
225 ft²
Gross Area
314 ft²
Efficiency
72%
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2018-05-14 HK$4.13M +36.8%
3.6y
2014-09-29 HK$3.02M +64.6%
3.6y
2011-02-22 HK$1.83M +20.7%
1.0y
2010-02-22 HK$1.52M +8.7%
2.4y
2010-01-18 HK$1.40M +27.1%
2.3y
2007-10-03 HK$1.10M +18.3%
2007-09-12 HK$930K +10.8%
1.6y
2006-01-18 HK$839K +14.9%
0.4y
2005-08-11 HK$730K +12.3%
2004-11-11 HK$650K —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Fortress Hill
≈ 3 min walk · 188 m
Education
44
schools within 1 km (20 within 500 m)
Daily convenience
39
within 1 km (17 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
73
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to Fortress Hill Station (a rail station within an 8-min walk earns this label).

Family-friendly — 44 schools within a 1 km walk.

Everyday convenience — 39 shopping and daily-needs spots nearby.

Green space & leisure — 73 parks, libraries and sports venues nearby.

Location

Other appraised units in this building