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Crescira AVM · estimated value Medium confidence
HK$4.93M
≈ HK$15,847 / 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$493K, with repayments around HK$21,497/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$20,229
−HK$1,268/mo
▼ 0.25% · 3.875%
HK$20,858
−HK$639/mo
Today · 4.125%
HK$21,497
baseline
▲ 0.50% · 4.625%
HK$22,805
+HK$1,308/mo

Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$42,994/mo (50% DSR)

Upfront cash ≈ HK$603K (deposit + AVD stamp duty HK$110,351 · 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
311 ft²
Gross Area
434 ft²
Efficiency
72%
District
Central and Western District · Hong Kong Island
School net (POA)
11

Transaction History

Date Price Gain / loss
2026-06-09 HK$5.60M −16.2%
4.0y
2022-05-27 HK$6.68M +42.1%
11.1y
2011-04-29 HK$4.70M +21.1%
2010-09-27 HK$3.88M +21.2%
2009-11-02 HK$3.20M +50.2%
2006-06-03 HK$2.13M +31.5%
2004-07-26 HK$1.62M +20.0%
2004-04-01 HK$1.35M −49.6%
1997-11-06 HK$2.68M +86.1%
1995-12-07 HK$1.44M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sheung Wan
≈ 10 min walk · 724 m
Education
40
schools within 1 km (19 within 500 m)
Daily convenience
60
within 1 km (15 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 — 60 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

Data sourced from Renavon.com