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Crescira AVM · estimated value Medium confidence
HK$39.38M
≈ HK$29,128 / 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$11.81M, with repayments around HK$133,603/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$125,719
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,630
−HK$3,973/mo
Today · 4.125%
HK$133,603
baseline
▲ 0.50% · 4.625%
HK$141,732
+HK$8,129/mo

Deposit HK$11.81M · loan HK$27.57M · min. income ≈ HK$267,206/mo (50% DSR)

Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,673,707 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
39/F
Flat
B
Saleable Area
1,352 ft²
Gross Area
1,878 ft²
Efficiency
72%
District
Southern District · Hong Kong Island
School net (POA)
18

Transaction History

Date Price Gain / loss
2007-04-26 HK$23.48M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
South Horizons
≈ 27 min walk · 2,134 m
(quite far — consider other transport options)
Education
17
schools within 1 km (8 within 500 m)
Daily convenience
20
within 1 km (4 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
10
parks, libraries, sports within 1 km

Family-friendly — 17 schools within a 1 km walk.

Everyday convenience — 20 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