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Crescira AVM · estimated value Medium confidence
HK$2.98M
≈ HK$10,755 / 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$298K, with repayments around HK$12,995/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$12,228
−HK$767/mo
▼ 0.25% · 3.875%
HK$12,609
−HK$386/mo
Today · 4.125%
HK$12,995
baseline
▲ 0.50% · 4.625%
HK$13,786
+HK$791/mo

Deposit HK$298K · loan HK$2.68M · min. income ≈ HK$25,990/mo (50% DSR)

Upfront cash ≈ HK$298K (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
F
Saleable Area
277 ft²
Gross Area
500 ft²
Efficiency
55%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2025-07-30 HK$2.73M −31.8%
7.3y
2018-05-08 HK$4.00M +8.1%
3.2y
2015-02-03 HK$3.70M +72.1%
2010-12-28 HK$2.15M +104.8%
1996-03-28 HK$1.05M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Wan Chai
≈ 1 min walk · 77 m
Education
27
schools within 1 km (10 within 500 m)
Daily convenience
51
within 1 km (27 within 500 m)
Health
21
hospitals/clinics within 1 km
Recreation
62
parks, libraries, sports within 1 km

Excellent connectivity — about 1 min walk to Wan Chai Station (a rail station within an 8-min walk earns this label).

Family-friendly — 27 schools within a 1 km walk.

Everyday convenience — 51 shopping and daily-needs spots nearby.

Healthcare close by — 21 hospitals/clinics within 1 km.

Green space & leisure — 62 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com