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Crescira AVM · estimated value Medium confidence
HK$21.83M
≈ HK$16,951 / 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$6.55M, with repayments around HK$74,070/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$69,699
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,867
−HK$2,203/mo
Today · 4.125%
HK$74,070
baseline
▲ 0.50% · 4.625%
HK$78,577
+HK$4,507/mo

Deposit HK$6.55M · loan HK$15.28M · min. income ≈ HK$148,140/mo (50% DSR)

Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$927,904 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
20/F
Flat
F
Saleable Area
1,288 ft²
Gross Area
1,622 ft²
Efficiency
79%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
1998-02-19 HK$9.50M +3.3%
1997-04-30 HK$9.20M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sai Ying Pun
≈ 3 min walk · 184 m
Education
50
schools within 1 km (26 within 500 m)
Daily convenience
45
within 1 km (16 within 500 m)
Health
13
hospitals/clinics within 1 km
Recreation
64
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to Sai Ying Pun Station (a rail station within an 8-min walk earns this label).

Family-friendly — 50 schools within a 1 km walk.

Everyday convenience — 45 shopping and daily-needs spots nearby.

Healthcare close by — 13 hospitals/clinics within 1 km.

Green space & leisure — 64 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com