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Crescira AVM · estimated value ● Medium confidence
HK$13.31M
≈ HK$15,528 / 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 70% mortgage, the deposit on this unit is about HK$3.99M, with repayments around HK$45,145/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 70%
Term
▼ 0.50% · 3.625%
HK$42,481
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$43,803
−HK$1,342/mo
Today · 4.125%
HK$45,145
baseline
▲ 0.50% · 4.625%
HK$47,892
+HK$2,747/mo

Deposit HK$3.99M · loan HK$9.32M · min. income ≈ HK$90,290/mo (50% DSR)

Upfront cash ≈ HK$4.49M (deposit + AVD stamp duty HK$499,019 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
21/F
Flat
2
Saleable Area
857 ft²
Gross Area
962 ft²
Efficiency
89%
District
Eastern District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2025-06-17 HK$13.18M −20.1%
3.4y
2022-02-10 HK$16.50M +338.8%
18.2y
2003-12-05 HK$3.76M −19.1%
4.9y
1999-01-20 HK$4.65M −11.9%
3.2y
1995-10-28 HK$5.28M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Tin Hau
≈ 3 min walk · 179 m
Education
50
schools within 1 km (13 within 500 m)
Daily convenience
54
within 1 km (8 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
80
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to Tin Hau Station (a rail station within an 8-min walk earns this label).

Family-friendly — 50 schools within a 1 km walk.

Everyday convenience — 54 shopping and daily-needs spots nearby.

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

Green space & leisure — 80 parks, libraries and sports venues nearby.

Location

Other appraised units in this building