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Crescira AVM · estimated value Medium confidence
HK$9.89M
≈ HK$14,502 / 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$989K, with repayments around HK$43,141/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$40,595
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,858
−HK$1,283/mo
Today · 4.125%
HK$43,141
baseline
▲ 0.50% · 4.625%
HK$45,766
+HK$2,625/mo

Deposit HK$989K · loan HK$8.90M · min. income ≈ HK$86,282/mo (50% DSR)

Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$359,049 · 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
23/F
Flat
B
Saleable Area
682 ft²
Gross Area
941 ft²
Efficiency
72%
District
Kowloon City District · Kowloon
School net (POA)
34

Transaction History

Date Price Gain / loss
2026-06-09 HK$9.80M −2.0%
6.4y
2020-01-13 HK$10.00M +5.3%
1.9y
2018-03-05 HK$9.50M +18.8%
1.2y
2016-12-30 HK$8.00M +110.5%
7.8y · 14.0%/yr
2009-03-17 HK$3.80M −11.6%
1999-01-04 HK$4.30M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
To Kwa Wan
≈ 4 min walk · 262 m
Education
78
schools within 1 km (30 within 500 m)
Daily convenience
34
within 1 km (14 within 500 m)
Health
13
hospitals/clinics within 1 km
Recreation
56
parks, libraries, sports within 1 km

Excellent connectivity — about 4 min walk to To Kwa Wan Station (a rail station within an 8-min walk earns this label).

Family-friendly — 78 schools within a 1 km walk.

Everyday convenience — 34 shopping and daily-needs spots nearby.

Healthcare close by — 13 hospitals/clinics within 1 km.

Green space & leisure — 56 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com