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3/F 54A號

in Unitpoly Court

Sham Shui Po District · Kowloon

Crescira AVM · estimated value Medium confidence
HK$11.98M
≈ HK$10,028 / 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$3.60M, with repayments around HK$40,656/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$38,257
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$39,447
−HK$1,209/mo
Today · 4.125%
HK$40,656
baseline
▲ 0.50% · 4.625%
HK$43,129
+HK$2,473/mo

Deposit HK$3.60M · loan HK$8.39M · min. income ≈ HK$81,312/mo (50% DSR)

Upfront cash ≈ HK$4.04M (deposit + AVD stamp duty HK$449,394 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
3/F
Flat
54A號
Saleable Area
1,195 ft²
District
Sham Shui Po District · Kowloon
School net (POA)
40

Transaction History

Date Price Gain / loss
2016-01-19 HK$16.30M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Shek Kip Mei
≈ 6 min walk · 431 m
Education
111
schools within 1 km (29 within 500 m)
Daily convenience
29
within 1 km (6 within 500 m)
Health
4
hospitals/clinics within 1 km
Recreation
57
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 — 111 schools within a 1 km walk.

Everyday convenience — 29 shopping and daily-needs spots nearby.

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

Green space & leisure — 57 parks, libraries and sports venues nearby.

Location

Data sourced from Renavon.com