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Crescira AVM · estimated value ● Medium confidence
HK$10.75M
≈ HK$14,913 / 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 70% mortgage, the deposit on this unit is about HK$3.23M, with repayments around HK$36,478/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 70%
Term
▼ 0.50% · 3.625%
HK$34,326
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$35,394
−HK$1,084/mo
Today · 4.125%
HK$36,478
baseline
▲ 0.50% · 4.625%
HK$38,698
+HK$2,220/mo

Deposit HK$3.23M · loan HK$7.53M · min. income ≈ HK$72,956/mo (50% DSR)

Upfront cash ≈ HK$3.63M (deposit + AVD stamp duty HK$403,220 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
5/F
Flat
3
Saleable Area
721 ft²
Gross Area
885 ft²
Efficiency
81%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2025-09-16 HK$8.70M +45.0%
17.6y
2008-02-20 HK$6.00M +60.0%
2.6y
2005-08-10 HK$3.75M +0.0%
0.3y
2005-04-18 HK$3.75M +1.9%
9.2y
1996-03-04 HK$3.68M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sheung Wan
≈ 8 min walk · 621 m
Education
40
schools within 1 km (20 within 500 m)
Daily convenience
62
within 1 km (18 within 500 m)
Health
19
hospitals/clinics within 1 km
Recreation
61
parks, libraries, sports within 1 km

Family-friendly — 40 schools within a 1 km walk.

Everyday convenience — 62 shopping and daily-needs spots nearby.

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

Green space & leisure — 61 parks, libraries and sports venues nearby.

Location

Other appraised units in this building