Skip to content
Crescira AVM · estimated value Medium confidence
HK$4.74M
≈ HK$7,695 / 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$474K, with repayments around HK$20,676/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$19,456
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,061
−HK$615/mo
Today · 4.125%
HK$20,676
baseline
▲ 0.50% · 4.625%
HK$21,934
+HK$1,258/mo

Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,352/mo (50% DSR)

Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,524 · 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
2/F
Flat
397號
Saleable Area
616 ft²
Gross Area
724 ft²
Efficiency
85%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2025-02-05 HK$3.00M −58.0%
2018-04-04 HK$7.15M +71.9%
7.1y
2011-03-02 HK$4.16M +26.1%
2010-07-12 HK$3.30M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Causeway Bay
≈ 6 min walk · 445 m
Education
34
schools within 1 km (7 within 500 m)
Daily convenience
78
within 1 km (40 within 500 m)
Health
21
hospitals/clinics within 1 km
Recreation
63
parks, libraries, sports within 1 km

Excellent connectivity — about 6 min walk to Causeway Bay Station (a rail station within an 8-min walk earns this label).

Family-friendly — 34 schools within a 1 km walk.

Everyday convenience — 78 shopping and daily-needs spots nearby.

Healthcare close by — 21 hospitals/clinics within 1 km.

Green space & leisure — 63 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com