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Crescira AVM · estimated value Medium confidence
HK$62.07M
≈ HK$28,939 / 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 70% mortgage, the deposit on this unit is about HK$18.62M, with repayments around HK$210,590/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$198,163
−HK$12,427/mo
▼ 0.25% · 3.875%
HK$204,327
−HK$6,263/mo
Today · 4.125%
HK$210,590
baseline
▲ 0.50% · 4.625%
HK$223,404
+HK$12,814/mo

Deposit HK$18.62M · loan HK$43.45M · min. income ≈ HK$421,180/mo (50% DSR)

Upfront cash ≈ HK$21.26M (deposit + AVD stamp duty HK$2,638,156 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
4/F
Flat
20號
Saleable Area
2,145 ft²
Gross Area
2,400 ft²
Efficiency
89%
District
Central and Western District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2025-01-27 HK$66.80M +145.1%
29.5y
2005-12-02 HK$27.25M +106.4%
10.3y
1995-09-12 HK$13.20M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Wan Chai
≈ 17 min walk · 1,308 m
(quite far — consider other transport options)
Education
9
schools within 1 km (0 within 500 m)
Daily convenience
6
within 1 km (0 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
16
parks, libraries, sports within 1 km

Family-friendly — 9 schools within a 1 km walk.

Everyday convenience — 6 shopping and daily-needs spots nearby.

Green space & leisure — 16 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com