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Crescira AVM · estimated value Medium confidence
HK$3.12M
≈ HK$10,734 / 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$312K, with repayments around HK$13,625/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$12,821
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,220
−HK$405/mo
Today · 4.125%
HK$13,625
baseline
▲ 0.50% · 4.625%
HK$14,454
+HK$829/mo

Deposit HK$312K · loan HK$2.81M · min. income ≈ HK$27,250/mo (50% DSR)

Upfront cash ≈ HK$312K (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
C
Saleable Area
291 ft²
Gross Area
520 ft²
Efficiency
56%
District
Eastern District · Hong Kong Island
School net (POA)
16

Transaction History

Date Price Gain / loss
2026-02-10 HK$3.25M −7.7%
9.5y
2016-09-02 HK$3.52M +30.4%
4.3y · 7.0%/yr
2012-05-29 HK$2.70M +35.0%
2011-02-14 HK$2.00M +8.1%
2010-08-30 HK$1.85M +42.3%
1996-04-29 HK$1.30M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sai Wan Ho
≈ 2 min walk · 85 m
Education
48
schools within 1 km (14 within 500 m)
Daily convenience
42
within 1 km (13 within 500 m)
Health
8
hospitals/clinics within 1 km
Recreation
48
parks, libraries, sports within 1 km

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

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

Everyday convenience — 42 shopping and daily-needs spots nearby.

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

Green space & leisure — 48 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com