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Crescira AVM · estimated value ● Medium confidence
HK$4.70M
≈ HK$12,174 / 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$470K, with repayments around HK$20,497/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$19,288
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,888
−HK$609/mo
Today · 4.125%
HK$20,497
baseline
▲ 0.50% · 4.625%
HK$21,745
+HK$1,248/mo

Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,994/mo (50% DSR)

Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,426 · 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
7/F
Flat
B
Saleable Area
386 ft²
Gross Area
513 ft²
Efficiency
75%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2026-07-07 HK$4.90M −18.3%
7.2y
2019-04-01 HK$6.00M +46.8%
4.8y
2014-06-12 HK$4.09M +317.1%
10.6y
2003-11-13 HK$980K −65.0%
6.1y
1997-10-31 HK$2.80M +60.0%
0.7y
1997-02-14 HK$1.75M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Wan Chai
≈ 3 min walk · 237 m
Education
25
schools within 1 km (14 within 500 m)
Daily convenience
65
within 1 km (34 within 500 m)
Health
20
hospitals/clinics within 1 km
Recreation
63
parks, libraries, sports within 1 km

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

Family-friendly — 25 schools within a 1 km walk.

Everyday convenience — 65 shopping and daily-needs spots nearby.

Healthcare close by — 20 hospitals/clinics within 1 km.

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

Location

Other appraised units in this building