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Crescira AVM · estimated value Medium confidence
HK$20.46M
≈ HK$18,363 / 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 70% mortgage, the deposit on this unit is about HK$6.14M, with repayments around HK$69,400/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$65,305
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$67,336
−HK$2,064/mo
Today · 4.125%
HK$69,400
baseline
▲ 0.50% · 4.625%
HK$73,623
+HK$4,223/mo

Deposit HK$6.14M · loan HK$14.32M · min. income ≈ HK$138,800/mo (50% DSR)

Upfront cash ≈ HK$6.93M (deposit + AVD stamp duty HK$795,667 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
12/F
Flat
B
Saleable Area
1,114 ft²
Gross Area
1,433 ft²
Efficiency
78%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2012-03-09 HK$17.28M +83.8%
1997-01-17 HK$9.40M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sheung Wan
≈ 10 min walk · 727 m
Education
39
schools within 1 km (19 within 500 m)
Daily convenience
62
within 1 km (13 within 500 m)
Health
19
hospitals/clinics within 1 km
Recreation
57
parks, libraries, sports within 1 km

Family-friendly — 39 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 — 57 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com