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Crescira AVM · estimated value ● Medium confidence
HK$13.44M
≈ HK$13,413 / 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 70% mortgage, the deposit on this unit is about HK$4.03M, with repayments around HK$45,594/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$42,903
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,238
−HK$1,356/mo
Today · 4.125%
HK$45,594
baseline
▲ 0.50% · 4.625%
HK$48,368
+HK$2,774/mo

Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,188/mo (50% DSR)

Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,978 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
2/F
Flat
E
Saleable Area
1,002 ft²
Gross Area
1,130 ft²
Efficiency
89%
District
Sham Shui Po District · Kowloon
School net (POA)
40

Transaction History

Date Price Gain / loss
2005-05-05 HK$5.06M +6.5%
3.0y
2002-05-09 HK$4.75M +5.6%
3.0y
1999-06-01 HK$4.50M −32.5%
2.3y
1997-02-24 HK$6.67M —

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Shek Kip Mei
≈ 6 min walk · 412 m
Education
106
schools within 1 km (28 within 500 m)
Daily convenience
41
within 1 km (7 within 500 m)
Health
4
hospitals/clinics within 1 km
Recreation
62
parks, libraries, sports within 1 km

Excellent connectivity — about 6 min walk to Shek Kip Mei Station (a rail station within an 8-min walk earns this label).

Family-friendly — 106 schools within a 1 km walk.

Everyday convenience — 41 shopping and daily-needs spots nearby.

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

Green space & leisure — 62 parks, libraries and sports venues nearby.

Location

Other appraised units in this building