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Crescira AVM · estimated value Medium confidence
HK$4.37M
≈ HK$20,444 / 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$437K, with repayments around HK$19,083/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$17,957
−HK$1,126/mo
▼ 0.25% · 3.875%
HK$18,515
−HK$568/mo
Today · 4.125%
HK$19,083
baseline
▲ 0.50% · 4.625%
HK$20,244
+HK$1,161/mo

Deposit HK$437K · loan HK$3.94M · min. income ≈ HK$38,166/mo (50% DSR)

Upfront cash ≈ HK$503K (deposit + AVD stamp duty HK$65,625 · 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
22/F
Flat
B
Saleable Area
214 ft²
Gross Area
410 ft²
Efficiency
52%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2016-08-22 HK$4.43M +34.2%
5.4y
2011-04-21 HK$3.30M +53.5%
2009-03-30 HK$2.15M +18.1%
2007-12-06 HK$1.82M +11.0%
2006-08-31 HK$1.64M −14.6%
2001-08-10 HK$1.92M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Wan Chai
≈ 2 min walk · 140 m
Education
26
schools within 1 km (18 within 500 m)
Daily convenience
53
within 1 km (31 within 500 m)
Health
21
hospitals/clinics within 1 km
Recreation
63
parks, libraries, sports within 1 km

Excellent connectivity — about 2 min walk to Wan Chai Station (a rail station within an 8-min walk earns this label).

Family-friendly — 26 schools within a 1 km walk.

Everyday convenience — 53 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