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Crescira AVM · estimated value Medium confidence
HK$3.24M
≈ HK$11,304 / 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$324K, with repayments around HK$14,152/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$13,317
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,731
−HK$421/mo
Today · 4.125%
HK$14,152
baseline
▲ 0.50% · 4.625%
HK$15,013
+HK$861/mo

Deposit HK$324K · loan HK$2.92M · min. income ≈ HK$28,304/mo (50% DSR)

Upfront cash ≈ HK$325K (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
20/F
Flat
C
Saleable Area
287 ft²
Gross Area
402 ft²
Efficiency
71%
District
Tsuen Wan District · New Territories West
School net (POA)
62

Transaction History

Date Price Gain / loss
2023-11-17 HK$3.55M −9.0%
4.7y
2019-02-22 HK$3.90M +87.5%
21.3y
1997-12-17 HK$2.08M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Tsuen Wan
≈ 3 min walk · 197 m
Education
45
schools within 1 km (19 within 500 m)
Daily convenience
67
within 1 km (31 within 500 m)
Health
10
hospitals/clinics within 1 km
Recreation
65
parks, libraries, sports within 1 km

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

Family-friendly — 45 schools within a 1 km walk.

Everyday convenience — 67 shopping and daily-needs spots nearby.

Healthcare close by — 10 hospitals/clinics within 1 km.

Green space & leisure — 65 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com