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Crescira AVM · estimated value Medium confidence
HK$26.41M
≈ HK$24,452 / 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 70% mortgage, the deposit on this unit is about HK$7.92M, with repayments around HK$89,590/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$84,304
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$86,926
−HK$2,664/mo
Today · 4.125%
HK$89,590
baseline
▲ 0.50% · 4.625%
HK$95,042
+HK$5,452/mo

Deposit HK$7.92M · loan HK$18.49M · min. income ≈ HK$179,180/mo (50% DSR)

Upfront cash ≈ HK$9.04M (deposit + AVD stamp duty HK$1,122,338 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
21/F
Flat
A
Saleable Area
1,080 ft²
Gross Area
1,327 ft²
Efficiency
81%
District
Southern District · Hong Kong Island
School net (POA)
18

Transaction History

Date Price Gain / loss
2003-07-02 HK$5.83M −1.5%
2003-03-18 HK$5.92M

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

Data sourced from Renavon.com