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14/F A

in Kwai Lai Building

Kwai Tsing District · New Territories West

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Crescira AVM · estimated value Medium confidence
HK$2.54M
≈ HK$8,284 / 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$254K, with repayments around HK$11,093/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$10,439
−HK$654/mo
▼ 0.25% · 3.875%
HK$10,763
−HK$330/mo
Today · 4.125%
HK$11,093
baseline
▲ 0.50% · 4.625%
HK$11,768
+HK$675/mo

Deposit HK$254K · loan HK$2.29M · min. income ≈ HK$22,186/mo (50% DSR)

Upfront cash ≈ HK$254K (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
14/F
Flat
A
Saleable Area
307 ft²
Gross Area
444 ft²
Efficiency
69%
District
Kwai Tsing District · New Territories West
School net (POA)
64

Transaction History

Date Price Gain / loss
2019-09-25 HK$3.50M +27.7%
3.9y
2015-11-30 HK$2.74M +75.6%
2012-11-02 HK$1.56M +212.0%
2006-11-10 HK$500K +4.2%
2006-02-14 HK$480K

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