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Crescira AVM · estimated value ● Medium confidence
HK$3.86M
≈ HK$10,024 / 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 90% mortgage, the deposit on this unit is about HK$386K, with repayments around HK$16,833/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$15,840
−HK$993/mo
▼ 0.25% · 3.875%
HK$16,333
−HK$500/mo
Today · 4.125%
HK$16,833
baseline
▲ 0.50% · 4.625%
HK$17,858
+HK$1,025/mo

Deposit HK$386K · loan HK$3.47M · min. income ≈ HK$33,666/mo (50% DSR)

Upfront cash ≈ HK$386K (deposit + AVD stamp duty HK$100 · 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
14/F
Flat
A
Saleable Area
385 ft²
Gross Area
443 ft²
Efficiency
87%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2020-02-19 HK$5.38M +25.1%
3.3y
2016-10-20 HK$4.30M +244.0%
10.6y
2006-03-16 HK$1.25M +17.0%
0.4y
2005-12-14 HK$1.07M +24.2%
7.8y
2005-07-30 HK$860K −14.0%
7.6y
1998-01-06 HK$1.00M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sai Ying Pun
≈ 4 min walk · 285 m
Education
45
schools within 1 km (22 within 500 m)
Daily convenience
42
within 1 km (18 within 500 m)
Health
13
hospitals/clinics within 1 km
Recreation
61
parks, libraries, sports within 1 km

Excellent connectivity — about 4 min walk to Sai Ying Pun Station (a rail station within an 8-min walk earns this label).

Family-friendly — 45 schools within a 1 km walk.

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

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

Green space & leisure — 61 parks, libraries and sports venues nearby.

Location

Other appraised units in this building