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Crescira AVM · estimated value Medium confidence
HK$7.04M
≈ HK$9,464 / 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$704K, with repayments around HK$30,714/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$28,902
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$29,801
−HK$913/mo
Today · 4.125%
HK$30,714
baseline
▲ 0.50% · 4.625%
HK$32,583
+HK$1,869/mo

Deposit HK$704K · loan HK$6.34M · min. income ≈ HK$61,428/mo (50% DSR)

Upfront cash ≈ HK$915K (deposit + AVD stamp duty HK$211,248 · 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
5/F
Flat
D
Saleable Area
744 ft²
Gross Area
945 ft²
Efficiency
79%
District
Southern District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2002-07-20 HK$3.00M −22.7%
2000-02-12 HK$3.88M

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

Data sourced from Renavon.com