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Crescira AVM · estimated value ● Medium confidence
HK$4.20M
≈ HK$13,198 / 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$420K, with repayments around HK$18,306/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$17,226
−HK$1,080/mo
▼ 0.25% · 3.875%
HK$17,762
−HK$544/mo
Today · 4.125%
HK$18,306
baseline
▲ 0.50% · 4.625%
HK$19,420
+HK$1,114/mo

Deposit HK$420K · loan HK$3.78M · min. income ≈ HK$36,612/mo (50% DSR)

Upfront cash ≈ HK$459K (deposit + AVD stamp duty HK$39,472 · 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
8/F
Flat
18號
Saleable Area
318 ft²
Gross Area
570 ft²
Efficiency
56%
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2022-03-23 HK$5.48M −1.3%
3.7y
2018-06-21 HK$5.55M +29.7%
3.3y
2015-02-26 HK$4.28M +26.6%
2.4y
2012-09-12 HK$3.38M +154.1%
7.2y
2005-07-04 HK$1.33M +26.9%
1.3y
2004-03-06 HK$1.05M −47.6%
7.1y
1997-02-17 HK$2.00M +17.0%
0.3y
1996-11-01 HK$1.71M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
North Point
≈ 2 min walk · 103 m
Education
45
schools within 1 km (19 within 500 m)
Daily convenience
40
within 1 km (21 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
39
parks, libraries, sports within 1 km

Excellent connectivity — about 2 min walk to North Point Station (a rail station within an 8-min walk earns this label).

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

Everyday convenience — 40 shopping and daily-needs spots nearby.

Healthcare close by — 3 hospitals/clinics within 1 km.

Green space & leisure — 39 parks, libraries and sports venues nearby.

Location

Other appraised units in this building