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Crescira AVM · estimated value Medium confidence
HK$9.76M
≈ HK$9,708 / 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$976K, with repayments around HK$42,556/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$40,045
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,291
−HK$1,265/mo
Today · 4.125%
HK$42,556
baseline
▲ 0.50% · 4.625%
HK$45,146
+HK$2,590/mo

Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,112/mo (50% DSR)

Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,651 · 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
3/F
Flat
D
Saleable Area
1,005 ft²
Gross Area
1,110 ft²
Efficiency
91%
District
Sha Tin District · New Territories East
School net (POA)
91

Transaction History

Date Price Gain / loss
2021-05-25 HK$11.40M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Fo Tan
≈ 10 min walk · 752 m
Education
9
schools within 1 km (1 within 500 m)
Daily convenience
14
within 1 km (0 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
13
parks, libraries, sports within 1 km

Family-friendly — 9 schools within a 1 km walk.

Everyday convenience — 14 shopping and daily-needs spots nearby.

Green space & leisure — 13 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com