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Crescira AVM · estimated value Medium confidence
HK$2.97M
≈ HK$11,787 / 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$297K, with repayments around HK$12,956/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$12,191
−HK$765/mo
▼ 0.25% · 3.875%
HK$12,571
−HK$385/mo
Today · 4.125%
HK$12,956
baseline
▲ 0.50% · 4.625%
HK$13,744
+HK$788/mo

Deposit HK$297K · loan HK$2.67M · min. income ≈ HK$25,912/mo (50% DSR)

Upfront cash ≈ HK$297K (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
D
Saleable Area
252 ft²
Gross Area
320 ft²
Efficiency
79%
District
Kowloon City District · Kowloon
School net (POA)
34

Transaction History

Date Price Gain / loss
2020-12-22 HK$4.00M +33.3%
3.3y
2017-09-21 HK$3.00M +455.6%
13.1y
2004-08-19 HK$540K +14.9%
2004-07-03 HK$470K

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
To Kwa Wan
≈ 3 min walk · 226 m
Education
70
schools within 1 km (19 within 500 m)
Daily convenience
36
within 1 km (20 within 500 m)
Health
11
hospitals/clinics within 1 km
Recreation
52
parks, libraries, sports within 1 km

Excellent connectivity — about 3 min walk to To Kwa Wan Station (a rail station within an 8-min walk earns this label).

Family-friendly — 70 schools within a 1 km walk.

Everyday convenience — 36 shopping and daily-needs spots nearby.

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

Green space & leisure — 52 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com