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Crescira AVM · estimated value Medium confidence
HK$4.56M
≈ HK$8,654 / 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$456K, with repayments around HK$19,893/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$18,719
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$19,302
−HK$591/mo
Today · 4.125%
HK$19,893
baseline
▲ 0.50% · 4.625%
HK$21,104
+HK$1,211/mo

Deposit HK$456K · loan HK$4.10M · min. income ≈ HK$39,786/mo (50% DSR)

Upfront cash ≈ HK$530K (deposit + AVD stamp duty HK$73,573 · 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
1/F
Flat
26
Saleable Area
527 ft²
Gross Area
699 ft²
Efficiency
75%
District
Southern District · Hong Kong Island
School net (POA)
18

Transaction History

Date Price Gain / loss
2022-05-16 HK$6.98M +66.2%
2012-05-02 HK$4.20M +53.8%
2008-04-01 HK$2.73M +139.5%
2003-11-18 HK$1.14M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Ocean Park
≈ 59 min walk · 4,654 m
(quite far — consider other transport options)
Education
5
schools within 1 km (1 within 500 m)
Daily convenience
8
within 1 km (6 within 500 m)
Health
1
hospitals/clinics within 1 km
Recreation
19
parks, libraries, sports within 1 km

Family-friendly — 5 schools within a 1 km walk.

Everyday convenience — 8 shopping and daily-needs spots nearby.

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

Green space & leisure — 19 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com