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Crescira AVM · estimated value Medium confidence
HK$4.34M
≈ HK$14,136 / 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$434K, with repayments around HK$18,929/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$17,812
−HK$1,117/mo
▼ 0.25% · 3.875%
HK$18,366
−HK$563/mo
Today · 4.125%
HK$18,929
baseline
▲ 0.50% · 4.625%
HK$20,080
+HK$1,151/mo

Deposit HK$434K · loan HK$3.91M · min. income ≈ HK$37,858/mo (50% DSR)

Upfront cash ≈ HK$499K (deposit + AVD stamp duty HK$65,095 · 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
14/F
Flat
D
Saleable Area
307 ft²
Gross Area
411 ft²
Efficiency
75%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2024-01-25 HK$4.10M +217.8%
18.0y
2006-02-01 HK$1.29M +4.9%
4.6y
2001-07-17 HK$1.23M +0.0%
0.3y
2001-04-06 HK$1.23M −20.1%
5.0y
1996-04-27 HK$1.54M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sheung Wan
≈ 2 min walk · 84 m
Education
37
schools within 1 km (16 within 500 m)
Daily convenience
59
within 1 km (33 within 500 m)
Health
19
hospitals/clinics within 1 km
Recreation
59
parks, libraries, sports within 1 km

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

Family-friendly — 37 schools within a 1 km walk.

Everyday convenience — 59 shopping and daily-needs spots nearby.

Healthcare close by — 19 hospitals/clinics within 1 km.

Green space & leisure — 59 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com