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Crescira AVM · estimated value Medium confidence
HK$3.01M
≈ HK$14,010 / 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$301K, with repayments around HK$13,138/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$12,363
−HK$775/mo
▼ 0.25% · 3.875%
HK$12,748
−HK$390/mo
Today · 4.125%
HK$13,138
baseline
▲ 0.50% · 4.625%
HK$13,938
+HK$800/mo

Deposit HK$301K · loan HK$2.71M · min. income ≈ HK$26,276/mo (50% DSR)

Upfront cash ≈ HK$301K (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
20/F
Flat
A
Saleable Area
215 ft²
Gross Area
335 ft²
Efficiency
64%
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2021-09-15 HK$3.50M +16.7%
5.2y
2016-07-27 HK$3.00M +44.9%
4.3y
2012-05-17 HK$2.07M +59.2%
1997-04-24 HK$1.30M +15.0%
1996-04-25 HK$1.13M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
North Point
≈ 4 min walk · 284 m
Education
45
schools within 1 km (18 within 500 m)
Daily convenience
46
within 1 km (26 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
40
parks, libraries, sports within 1 km

Excellent connectivity — about 4 min walk to North Point Station (a rail station within an 8-min walk earns this label).

Family-friendly — 45 schools within a 1 km walk.

Everyday convenience — 46 shopping and daily-needs spots nearby.

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

Green space & leisure — 40 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com