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18/F D

in Kwai Lai Building

Kwai Tsing District · New Territories West

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Crescira AVM · estimated value Medium confidence
HK$3.02M
≈ HK$8,254 / 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$302K, with repayments around HK$13,177/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$12,400
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,786
−HK$391/mo
Today · 4.125%
HK$13,177
baseline
▲ 0.50% · 4.625%
HK$13,979
+HK$802/mo

Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,354/mo (50% DSR)

Upfront cash ≈ HK$302K (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
18/F
Flat
D
Saleable Area
366 ft²
Gross Area
480 ft²
Efficiency
76%
District
Kwai Tsing District · New Territories West
School net (POA)
64

Transaction History

Date Price Gain / loss
2020-02-20 HK$4.12M +442.1%
13.1y
2007-01-30 HK$760K +16.9%
2006-06-28 HK$650K +4.8%
2002-01-31 HK$620K +77.1%
1999-07-24 HK$350K

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Kwai Hing
≈ 14 min walk · 1,075 m
Education
27
schools within 1 km (17 within 500 m)
Daily convenience
27
within 1 km (18 within 500 m)
Health
5
hospitals/clinics within 1 km
Recreation
50
parks, libraries, sports within 1 km

Family-friendly — 27 schools within a 1 km walk.

Everyday convenience — 27 shopping and daily-needs spots nearby.

Healthcare close by — 5 hospitals/clinics within 1 km.

Green space & leisure — 50 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com