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Crescira AVM · estimated value Medium confidence
HK$3.31M
≈ HK$11,223 / 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$331K, with repayments around HK$14,442/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$13,589
−HK$853/mo
▼ 0.25% · 3.875%
HK$14,012
−HK$430/mo
Today · 4.125%
HK$14,442
baseline
▲ 0.50% · 4.625%
HK$15,320
+HK$878/mo

Deposit HK$331K · loan HK$2.98M · min. income ≈ HK$28,884/mo (50% DSR)

Upfront cash ≈ HK$331K (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
8/F
Flat
B
Saleable Area
295 ft²
Gross Area
344 ft²
Efficiency
86%
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2005-08-24 HK$1.07M +11.5%
2005-04-04 HK$960K +20.0%
2004-12-09 HK$800K +11.1%
2004-07-13 HK$720K +10.8%
2004-01-06 HK$650K −50.8%
1996-11-12 HK$1.32M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
North Point
≈ 3 min walk · 163 m
Education
47
schools within 1 km (17 within 500 m)
Daily convenience
44
within 1 km (25 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
38
parks, libraries, sports within 1 km

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

Family-friendly — 47 schools within a 1 km walk.

Everyday convenience — 44 shopping and daily-needs spots nearby.

Healthcare close by — 3 hospitals/clinics within 1 km.

Green space & leisure — 38 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com