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Crescira AVM · estimated value Medium confidence
HK$3.49M
≈ HK$12,171 / 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$349K, with repayments around HK$15,236/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$14,337
−HK$899/mo
▼ 0.25% · 3.875%
HK$14,783
−HK$453/mo
Today · 4.125%
HK$15,236
baseline
▲ 0.50% · 4.625%
HK$16,163
+HK$927/mo

Deposit HK$349K · loan HK$3.14M · min. income ≈ HK$30,472/mo (50% DSR)

Upfront cash ≈ HK$349K (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
11/F
Flat
A
Saleable Area
287 ft²
Gross Area
372 ft²
Efficiency
77%
District
Southern District · Hong Kong Island
School net (POA)
18

Transaction History

Date Price Gain / loss
2022-01-24 HK$4.75M +295.8%
13.0y
2009-02-10 HK$1.20M −34.1%
1997-08-20 HK$1.82M +55.6%
1996-04-03 HK$1.17M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
South Horizons
≈ 10 min walk · 726 m
Education
22
schools within 1 km (7 within 500 m)
Daily convenience
36
within 1 km (7 within 500 m)
Health
7
hospitals/clinics within 1 km
Recreation
32
parks, libraries, sports within 1 km

Family-friendly — 22 schools within a 1 km walk.

Everyday convenience — 36 shopping and daily-needs spots nearby.

Healthcare close by — 7 hospitals/clinics within 1 km.

Green space & leisure — 32 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com