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Crescira AVM · estimated value Medium confidence
HK$3.77M
≈ HK$9,497 / 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$377K, with repayments around HK$16,445/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$15,475
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,956
−HK$489/mo
Today · 4.125%
HK$16,445
baseline
▲ 0.50% · 4.625%
HK$17,446
+HK$1,001/mo

Deposit HK$377K · loan HK$3.39M · min. income ≈ HK$32,890/mo (50% DSR)

Upfront cash ≈ HK$377K (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
4/F
Flat
D
Saleable Area
397 ft²
Gross Area
450 ft²
Efficiency
88%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2019-11-26 HK$7.50M +103.8%
5.8y
2014-02-12 HK$3.68M +100.0%
2009-11-13 HK$1.84M +18.7%
2009-06-16 HK$1.55M +19.2%
2007-05-10 HK$1.30M +8.3%
2007-01-09 HK$1.20M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Tin Hau
≈ 5 min walk · 326 m
Education
50
schools within 1 km (20 within 500 m)
Daily convenience
58
within 1 km (18 within 500 m)
Health
1
hospitals/clinics within 1 km
Recreation
75
parks, libraries, sports within 1 km

Excellent connectivity — about 5 min walk to Tin Hau Station (a rail station within an 8-min walk earns this label).

Family-friendly — 50 schools within a 1 km walk.

Everyday convenience — 58 shopping and daily-needs spots nearby.

Healthcare close by — 1 hospital/clinics within 1 km.

Green space & leisure — 75 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com