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Crescira AVM · estimated value ● Medium confidence
HK$20.34M
≈ HK$17,568 / 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$6.10M, with repayments around HK$69,019/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$64,946
−HK$4,073/mo
▼ 0.25% · 3.875%
HK$66,967
−HK$2,052/mo
Today · 4.125%
HK$69,019
baseline
▲ 0.50% · 4.625%
HK$73,219
+HK$4,200/mo

Deposit HK$6.10M · loan HK$14.24M · min. income ≈ HK$138,038/mo (50% DSR)

Upfront cash ≈ HK$6.89M (deposit + AVD stamp duty HK$784,432 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
5/F
Flat
4
Saleable Area
1,158 ft²
Gross Area
1,350 ft²
Efficiency
86%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2002-04-23 HK$4.32M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Wan Chai
≈ 12 min walk · 912 m
Education
32
schools within 1 km (4 within 500 m)
Daily convenience
44
within 1 km (1 within 500 m)
Health
21
hospitals/clinics within 1 km
Recreation
51
parks, libraries, sports within 1 km

Family-friendly — 32 schools within a 1 km walk.

Everyday convenience — 44 shopping and daily-needs spots nearby.

Healthcare close by — 21 hospitals/clinics within 1 km.

Green space & leisure — 51 parks, libraries and sports venues nearby.

Location

Other appraised units in this building