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Crescira AVM · estimated value ● Medium confidence
HK$3.00M
≈ HK$12,229 / 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$300K, with repayments around HK$13,069/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$12,298
−HK$771/mo
▼ 0.25% · 3.875%
HK$12,680
−HK$389/mo
Today · 4.125%
HK$13,069
baseline
▲ 0.50% · 4.625%
HK$13,864
+HK$795/mo

Deposit HK$300K · loan HK$2.70M · min. income ≈ HK$26,138/mo (50% DSR)

Upfront cash ≈ HK$300K (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
22/F
Flat
A
Saleable Area
245 ft²
Gross Area
343 ft²
Efficiency
71%
District
Eastern District · Hong Kong Island
School net (POA)
14

Transaction History

Date Price Gain / loss
2008-02-21 HK$1.28M +7.1%
2007-12-13 HK$1.20M +75.2%
3.2y
2004-09-15 HK$685K +1.9%
0.4y
2004-04-23 HK$672K +34.4%
2.5y
2001-10-17 HK$500K —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
North Point
≈ 3 min walk · 224 m
Education
48
schools within 1 km (20 within 500 m)
Daily convenience
45
within 1 km (24 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
40
parks, libraries, sports within 1 km

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

Family-friendly — 48 schools within a 1 km walk.

Everyday convenience — 45 shopping and daily-needs spots nearby.

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

Green space & leisure — 40 parks, libraries and sports venues nearby.

Location

Other appraised units in this building