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Crescira AVM · estimated value Medium confidence
HK$5.06M
≈ HK$9,032 / 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$506K, with repayments around HK$22,061/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$20,760
−HK$1,301/mo
▼ 0.25% · 3.875%
HK$21,405
−HK$656/mo
Today · 4.125%
HK$22,061
baseline
▲ 0.50% · 4.625%
HK$23,404
+HK$1,343/mo

Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,122/mo (50% DSR)

Upfront cash ≈ HK$620K (deposit + AVD stamp duty HK$113,801 · 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
5/F
Flat
D
Saleable Area
560 ft²
Gross Area
700 ft²
Efficiency
80%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2026-07-14 HK$5.20M +0.0%
15.9y
2026-06-29 HK$5.20M +20.1%
15.8y
2010-08-24 HK$4.33M +20.3%
2008-07-07 HK$3.60M +260.0%
2003-11-28 HK$1.00M −2.9%
2002-08-29 HK$1.03M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Causeway Bay
≈ 16 min walk · 1,260 m
(quite far — consider other transport options)
Education
29
schools within 1 km (9 within 500 m)
Daily convenience
9
within 1 km (5 within 500 m)
Health
8
hospitals/clinics within 1 km
Recreation
37
parks, libraries, sports within 1 km

Family-friendly — 29 schools within a 1 km walk.

Everyday convenience — 9 shopping and daily-needs spots nearby.

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

Green space & leisure — 37 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com