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Crescira AVM · estimated value ● Medium confidence
HK$11.74M
≈ HK$12,020 / ft² saleable · updated 2026-10-01
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 70% mortgage, the deposit on this unit is about HK$3.52M, with repayments around HK$39,842/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 70%
Term
▼ 0.50% · 3.625%
HK$37,491
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$38,657
−HK$1,185/mo
Today · 4.125%
HK$39,842
baseline
▲ 0.50% · 4.625%
HK$42,266
+HK$2,424/mo

Deposit HK$3.52M · loan HK$8.22M · min. income ≈ HK$79,684/mo (50% DSR)

Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$440,395 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
3/F
Flat
C
Saleable Area
977 ft²
Gross Area
1,300 ft²
Efficiency
75%
District
Southern District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2026-08-11 HK$12.00M −21.6%
3.9y
2021-09-27 HK$15.30M +7.0%
4.9y
2016-10-25 HK$14.30M +164.8%
9.7y · 17.0%/yr
2007-03-08 HK$5.40M +35.0%
7.5y
1999-09-28 HK$4.00M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Kennedy Town
≈ 9 min walk · 713 m
Education
19
schools within 1 km (1 within 500 m)
Daily convenience
11
within 1 km (0 within 500 m)
Health
7
hospitals/clinics within 1 km
Recreation
33
parks, libraries, sports within 1 km

Family-friendly — 19 schools within a 1 km walk.

Everyday convenience — 11 shopping and daily-needs spots nearby.

Healthcare close by — 7 hospitals/clinics within 1 km.

Green space & leisure — 33 parks, libraries and sports venues nearby.

Location

Other appraised units in this building