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Crescira AVM · estimated value ● Medium confidence
HK$2.65M
≈ HK$4,424 / ft² saleable · updated 2026-10-01
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$265K, with repayments around HK$11,540/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$10,859
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,196
−HK$344/mo
Today · 4.125%
HK$11,540
baseline
▲ 0.50% · 4.625%
HK$12,242
+HK$702/mo

Deposit HK$265K · loan HK$2.38M · min. income ≈ HK$23,080/mo (50% DSR)

Upfront cash ≈ HK$265K (deposit + AVD stamp duty HK$100 · 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
2/F
Flat
539號
Saleable Area
598 ft²
District
Sham Shui Po District · Kowloon
School net (POA)
40

Transaction History

Date Price Gain / loss
2023-08-08 HK$4.21M +188.6%
13.7y
2009-10-29 HK$1.46M +13.2%
2.3y
2007-07-13 HK$1.29M +46.6%
1.3y
2006-03-13 HK$880K +15.8%
6.5y
1999-10-22 HK$760K +16.9%
1999-08-18 HK$650K —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Cheung Sha Wan
≈ 7 min walk · 487 m
Education
56
schools within 1 km (11 within 500 m)
Daily convenience
57
within 1 km (27 within 500 m)
Health
4
hospitals/clinics within 1 km
Recreation
35
parks, libraries, sports within 1 km

Excellent connectivity — about 7 min walk to Cheung Sha Wan Station (a rail station within an 8-min walk earns this label).

Family-friendly — 56 schools within a 1 km walk.

Everyday convenience — 57 shopping and daily-needs spots nearby.

Healthcare close by — 4 hospitals/clinics within 1 km.

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

Location

Other appraised units in this building