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Crescira AVM · estimated value Medium confidence
HK$3.48M
≈ HK$13,710 / 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$348K, with repayments around HK$15,190/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$14,293
−HK$897/mo
▼ 0.25% · 3.875%
HK$14,738
−HK$452/mo
Today · 4.125%
HK$15,190
baseline
▲ 0.50% · 4.625%
HK$16,114
+HK$924/mo

Deposit HK$348K · loan HK$3.13M · min. income ≈ HK$30,380/mo (50% DSR)

Upfront cash ≈ HK$348K (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
21/F
Flat
A
Saleable Area
254 ft²
Gross Area
380 ft²
Efficiency
67%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2026-06-12 HK$3.84M −15.1%
5.6y
2020-11-23 HK$4.52M +37.0%
7.1y
2013-10-29 HK$3.30M +69.2%
2010-12-06 HK$1.95M +52.3%
2008-03-25 HK$1.28M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Kennedy Town
≈ 4 min walk · 278 m
Education
20
schools within 1 km (8 within 500 m)
Daily convenience
19
within 1 km (7 within 500 m)
Health
6
hospitals/clinics within 1 km
Recreation
41
parks, libraries, sports within 1 km

Excellent connectivity — about 4 min walk to Kennedy Town Station (a rail station within an 8-min walk earns this label).

Family-friendly — 20 schools within a 1 km walk.

Everyday convenience — 19 shopping and daily-needs spots nearby.

Healthcare close by — 6 hospitals/clinics within 1 km.

Green space & leisure — 41 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com