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Crescira AVM · estimated value ● Medium confidence
HK$30.16M
≈ HK$29,860 / ft² saleable · updated 2026-09-01
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$9.05M, with repayments around HK$102,313/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$96,276
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,271
−HK$3,042/mo
Today · 4.125%
HK$102,313
baseline
▲ 0.50% · 4.625%
HK$108,539
+HK$6,226/mo

Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,626/mo (50% DSR)

Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,727 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
20/F
Flat
B
Saleable Area
1,010 ft²
Gross Area
1,355 ft²
Efficiency
75%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2003-11-14 HK$9.48M +29.9%
0.3y
2003-07-15 HK$7.30M −43.1%
6.9y
1996-08-13 HK$12.82M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Central
≈ 14 min walk · 1,065 m
Education
14
schools within 1 km (1 within 500 m)
Daily convenience
20
within 1 km (5 within 500 m)
Health
1
hospitals/clinics within 1 km
Recreation
33
parks, libraries, sports within 1 km

Family-friendly — 14 schools within a 1 km walk.

Everyday convenience — 20 shopping and daily-needs spots nearby.

Healthcare close by — 1 hospital/clinics within 1 km.

Green space & leisure — 33 parks, libraries and sports venues nearby.

Location

Other appraised units in this building