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Crescira AVM · estimated value ● Medium confidence
HK$3.90M
≈ HK$14,819 / 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$390K, with repayments around HK$17,000/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$15,997
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,494
−HK$506/mo
Today · 4.125%
HK$17,000
baseline
▲ 0.50% · 4.625%
HK$18,034
+HK$1,034/mo

Deposit HK$390K · loan HK$3.51M · min. income ≈ HK$34,000/mo (50% DSR)

Upfront cash ≈ HK$390K (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
15/F
Flat
A
Saleable Area
263 ft²
Gross Area
408 ft²
Efficiency
64%
District
Eastern District · Hong Kong Island
School net (POA)
16

Transaction History

Date Price Gain / loss
2022-11-10 HK$4.73M −7.3%
3.0y
2019-11-08 HK$5.10M −1.9%
1.3y
2018-07-25 HK$5.20M +46.5%
2.3y
2016-03-16 HK$3.55M +171.0%
8.3y
2007-11-20 HK$1.31M −25.1%
11.3y
1996-08-01 HK$1.75M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sai Wan Ho
≈ 4 min walk · 271 m
Education
46
schools within 1 km (14 within 500 m)
Daily convenience
40
within 1 km (22 within 500 m)
Health
8
hospitals/clinics within 1 km
Recreation
43
parks, libraries, sports within 1 km

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

Family-friendly — 46 schools within a 1 km walk.

Everyday convenience — 40 shopping and daily-needs spots nearby.

Healthcare close by — 8 hospitals/clinics within 1 km.

Green space & leisure — 43 parks, libraries and sports venues nearby.

Location

Other appraised units in this building