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Crescira AVM · estimated value ● Medium confidence
HK$31.17M
≈ HK$22,936 / 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$9.35M, with repayments around HK$105,748/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$99,508
−HK$6,240/mo
▼ 0.25% · 3.875%
HK$102,603
−HK$3,145/mo
Today · 4.125%
HK$105,748
baseline
▲ 0.50% · 4.625%
HK$112,182
+HK$6,434/mo

Deposit HK$9.35M · loan HK$21.82M · min. income ≈ HK$211,496/mo (50% DSR)

Upfront cash ≈ HK$10.68M (deposit + AVD stamp duty HK$1,324,753 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
20/F
Flat
B
Saleable Area
1,359 ft²
Gross Area
1,679 ft²
Efficiency
81%
District
Southern District · Hong Kong Island
School net (POA)
18

Transaction History

Date Price Gain / loss
2006-12-07 HK$14.35M +63.1%
1.8y
2005-02-26 HK$8.80M −13.7%
1.9y
2004-04-23 HK$10.20M +46.5%
1.1y
2003-03-13 HK$6.96M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
South Horizons
≈ 30 min walk · 2,385 m
(quite far — consider other transport options)
Education
15
schools within 1 km (0 within 500 m)
Daily convenience
17
within 1 km (3 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
10
parks, libraries, sports within 1 km

Family-friendly — 15 schools within a 1 km walk.

Everyday convenience — 17 shopping and daily-needs spots nearby.

Green space & leisure — 10 parks, libraries and sports venues nearby.

Location

Other appraised units in this building