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Crescira AVM · estimated value Medium confidence
HK$4.80M
≈ HK$15,248 / 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$480K, with repayments around HK$20,950/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$19,714
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,327
−HK$623/mo
Today · 4.125%
HK$20,950
baseline
▲ 0.50% · 4.625%
HK$22,225
+HK$1,275/mo

Deposit HK$480K · loan HK$4.32M · min. income ≈ HK$41,900/mo (50% DSR)

Upfront cash ≈ HK$578K (deposit + AVD stamp duty HK$97,798 · 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
20/F
Flat
B
Saleable Area
315 ft²
Gross Area
510 ft²
Efficiency
62%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2019-08-22 HK$6.38M +78.7%
9.0y
2010-08-06 HK$3.57M +42.8%
2009-06-01 HK$2.50M +28.9%
2005-05-25 HK$1.94M +21.2%
2004-01-03 HK$1.60M +14.3%
2002-05-06 HK$1.40M −55.4%
1997-10-29 HK$3.14M +16.3%
1997-05-20 HK$2.70M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Causeway Bay
≈ 17 min walk · 1,328 m
(quite far — consider other transport options)
Education
23
schools within 1 km (8 within 500 m)
Daily convenience
7
within 1 km (5 within 500 m)
Health
7
hospitals/clinics within 1 km
Recreation
34
parks, libraries, sports within 1 km

Family-friendly — 23 schools within a 1 km walk.

Everyday convenience — 7 shopping and daily-needs spots nearby.

Healthcare close by — 7 hospitals/clinics within 1 km.

Green space & leisure — 34 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com