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Crescira AVM · estimated value Medium confidence
HK$2.42M
≈ HK$11,004 / 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$242K, with repayments around HK$10,559/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$9,936
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,245
−HK$314/mo
Today · 4.125%
HK$10,559
baseline
▲ 0.50% · 4.625%
HK$11,202
+HK$643/mo

Deposit HK$242K · loan HK$2.18M · min. income ≈ HK$21,118/mo (50% DSR)

Upfront cash ≈ HK$242K (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
220 ft²
Gross Area
380 ft²
Efficiency
58%
District
Eastern District · Hong Kong Island
School net (POA)
16

Transaction History

Date Price Gain / loss
2026-03-19 HK$2.90M −14.2%
5.4y
2020-10-16 HK$3.38M −0.6%
3.0y
2017-10-30 HK$3.40M +142.9%
9.6y
2008-04-07 HK$1.40M +40.0%
1996-04-29 HK$1.00M

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