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Crescira AVM · estimated value ● Medium confidence
HK$20.79M
≈ HK$16,410 / 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$6.24M, with repayments around HK$70,538/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$66,376
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,440
−HK$2,098/mo
Today · 4.125%
HK$70,538
baseline
▲ 0.50% · 4.625%
HK$74,830
+HK$4,292/mo

Deposit HK$6.24M · loan HK$14.55M · min. income ≈ HK$141,076/mo (50% DSR)

Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$829,205 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
1/F
Flat
A
Saleable Area
1,267 ft²
Gross Area
1,600 ft²
Efficiency
79%
District
Wan Chai District · Hong Kong Island
School net (POA)
12

Transaction History

Date Price Gain / loss
2004-05-20 HK$5.39M −43.7%
6.8y
1997-08-20 HK$9.58M +21.3%
0.4y
1997-04-04 HK$7.90M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Causeway Bay
≈ 16 min walk · 1,221 m
(quite far — consider other transport options)
Education
33
schools within 1 km (9 within 500 m)
Daily convenience
16
within 1 km (5 within 500 m)
Health
5
hospitals/clinics within 1 km
Recreation
35
parks, libraries, sports within 1 km

Family-friendly — 33 schools within a 1 km walk.

Everyday convenience — 16 shopping and daily-needs spots nearby.

Healthcare close by — 5 hospitals/clinics within 1 km.

Green space & leisure — 35 parks, libraries and sports venues nearby.

Location

Other appraised units in this building