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Crescira AVM · estimated value Medium confidence
HK$9.43M
≈ HK$9,887 / 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$943K, with repayments around HK$41,142/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$38,714
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$39,919
−HK$1,223/mo
Today · 4.125%
HK$41,142
baseline
▲ 0.50% · 4.625%
HK$43,646
+HK$2,504/mo

Deposit HK$943K · loan HK$8.49M · min. income ≈ HK$82,284/mo (50% DSR)

Upfront cash ≈ HK$1.26M (deposit + AVD stamp duty HK$313,228 · 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
1/F
Flat
C
Saleable Area
954 ft²
Gross Area
1,100 ft²
Efficiency
87%
District
Southern District · Hong Kong Island
School net (POA)
18

Transaction History

Date Price Gain / loss
2002-02-05 HK$3.80M +22.6%
1999-08-17 HK$3.10M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Kennedy Town
≈ 10 min walk · 745 m
Education
19
schools within 1 km (1 within 500 m)
Daily convenience
9
within 1 km (0 within 500 m)
Health
7
hospitals/clinics within 1 km
Recreation
31
parks, libraries, sports within 1 km

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

Everyday convenience — 9 shopping and daily-needs spots nearby.

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

Green space & leisure — 31 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com