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Crescira AVM · estimated value Medium confidence
HK$4.10M
≈ HK$11,959 / 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$410K, with repayments around HK$17,893/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$16,837
−HK$1,056/mo
▼ 0.25% · 3.875%
HK$17,360
−HK$533/mo
Today · 4.125%
HK$17,893
baseline
▲ 0.50% · 4.625%
HK$18,981
+HK$1,088/mo

Deposit HK$410K · loan HK$3.69M · min. income ≈ HK$35,786/mo (50% DSR)

Upfront cash ≈ HK$431K (deposit + AVD stamp duty HK$20,511 · 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
4/F
Flat
B
Saleable Area
343 ft²
Gross Area
498 ft²
Efficiency
69%
District
Eastern District · Hong Kong Island
School net (POA)
16

Transaction History

Date Price Gain / loss
2023-10-25 HK$4.80M +28.7%
9.5y
2014-04-25 HK$3.73M +96.3%
4.7y
2009-09-02 HK$1.90M +18.8%
2009-06-08 HK$1.60M +88.2%
5.9y
2003-08-08 HK$850K −48.5%
4.5y
1999-01-27 HK$1.65M +10.0%
3.2y
1995-11-09 HK$1.50M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sai Wan Ho
≈ 2 min walk · 109 m
Education
49
schools within 1 km (14 within 500 m)
Daily convenience
42
within 1 km (14 within 500 m)
Health
8
hospitals/clinics within 1 km
Recreation
49
parks, libraries, sports within 1 km

Excellent connectivity — about 2 min walk to Sai Wan Ho Station (a rail station within an 8-min walk earns this label).

Family-friendly — 49 schools within a 1 km walk.

Everyday convenience — 42 shopping and daily-needs spots nearby.

Healthcare close by — 8 hospitals/clinics within 1 km.

Green space & leisure — 49 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com