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Crescira AVM · estimated value Medium confidence
HK$5.06M
≈ HK$9,857 / 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$506K, with repayments around HK$22,056/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$20,754
−HK$1,302/mo
▼ 0.25% · 3.875%
HK$21,400
−HK$656/mo
Today · 4.125%
HK$22,056
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,342/mo

Deposit HK$506K · loan HK$4.55M · min. income ≈ HK$44,112/mo (50% DSR)

Upfront cash ≈ HK$619K (deposit + AVD stamp duty HK$113,772 · 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
12/F
Flat
C
Saleable Area
513 ft²
Gross Area
647 ft²
Efficiency
79%
District
Kwun Tong District · Kowloon
School net (POA)
48

Transaction History

Date Price Gain / loss
2025-04-22 HK$5.33M +280.7%
21.0y
2004-04-26 HK$1.40M +11.1%
2004-02-19 HK$1.26M +18.9%
2003-11-20 HK$1.06M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Ngau Tau Kok
≈ 5 min walk · 400 m
Education
47
schools within 1 km (11 within 500 m)
Daily convenience
44
within 1 km (17 within 500 m)
Health
11
hospitals/clinics within 1 km
Recreation
65
parks, libraries, sports within 1 km

Excellent connectivity — about 5 min walk to Ngau Tau Kok Station (a rail station within an 8-min walk earns this label).

Family-friendly — 47 schools within a 1 km walk.

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

Healthcare close by — 11 hospitals/clinics within 1 km.

Green space & leisure — 65 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com