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Crescira AVM · estimated value Medium confidence
HK$5.15M
≈ HK$9,967 / 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$515K, with repayments around HK$22,475/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$21,149
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,807
−HK$668/mo
Today · 4.125%
HK$22,475
baseline
▲ 0.50% · 4.625%
HK$23,843
+HK$1,368/mo

Deposit HK$515K · loan HK$4.64M · min. income ≈ HK$44,950/mo (50% DSR)

Upfront cash ≈ HK$631K (deposit + AVD stamp duty HK$115,937 · 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
7/F
Flat
G
Saleable Area
517 ft²
Gross Area
672 ft²
Efficiency
77%
District
Islands District · New Territories West
School net (POA)
99

Transaction History

Date Price Gain / loss
2024-03-01 HK$4.50M −10.5%
6.4y
2017-10-04 HK$5.03M +75.3%
5.6y
2012-02-10 HK$2.87M +6.3%
2006-04-24 HK$2.70M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Sunny Bay
≈ 40 min walk · 3,148 m
(quite far — consider other transport options)
Education
7
schools within 1 km (5 within 500 m)
Daily convenience
2
within 1 km (2 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
0
parks, libraries, sports within 1 km

Family-friendly — 7 schools within a 1 km walk.

Location

Other appraised units in this building

Data sourced from Renavon.com