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Crescira AVM · estimated value ● Medium confidence
HK$3.02M
≈ HK$12,682 / 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$302K, with repayments around HK$13,166/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$12,389
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,774
−HK$392/mo
Today · 4.125%
HK$13,166
baseline
▲ 0.50% · 4.625%
HK$13,967
+HK$801/mo

Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,332/mo (50% DSR)

Upfront cash ≈ HK$302K (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
10/F
Flat
B
Saleable Area
238 ft²
Gross Area
275 ft²
Efficiency
87%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2020-09-21 HK$4.25M +46.6%
6.1y
2014-08-28 HK$2.90M +183.5%
5.1y
2009-07-31 HK$1.02M +10.8%
2.5y
2007-01-19 HK$923K +127.3%
3.3y
2003-10-23 HK$406K —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
HKU
≈ 5 min walk · 335 m
Education
35
schools within 1 km (15 within 500 m)
Daily convenience
39
within 1 km (17 within 500 m)
Health
2
hospitals/clinics within 1 km
Recreation
44
parks, libraries, sports within 1 km

Excellent connectivity — about 5 min walk to HKU Station (a rail station within an 8-min walk earns this label).

Family-friendly — 35 schools within a 1 km walk.

Everyday convenience — 39 shopping and daily-needs spots nearby.

Healthcare close by — 2 hospitals/clinics within 1 km.

Green space & leisure — 44 parks, libraries and sports venues nearby.

Location

Other appraised units in this building