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Crescira AVM · estimated value Medium confidence
HK$3.02M
≈ HK$10,336 / 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$302K, with repayments around HK$13,164/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$12,387
−HK$777/mo
▼ 0.25% · 3.875%
HK$12,773
−HK$391/mo
Today · 4.125%
HK$13,164
baseline
▲ 0.50% · 4.625%
HK$13,965
+HK$801/mo

Deposit HK$302K · loan HK$2.72M · min. income ≈ HK$26,328/mo (50% DSR)

Upfront cash ≈ HK$302K (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
6/F
Flat
B
Saleable Area
292 ft²
Gross Area
398 ft²
Efficiency
73%
District
Sai Kung District · New Territories East
School net (POA)
95

Transaction History

Date Price Gain / loss
2018-02-22 HK$3.97M +37.8%
3.4y
2014-09-22 HK$2.88M +140.0%
1997-01-17 HK$1.20M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Tai Shui Hang
≈ 73 min walk · 5,808 m
(quite far — consider other transport options)
Education
10
schools within 1 km (8 within 500 m)
Daily convenience
11
within 1 km (11 within 500 m)
Health
3
hospitals/clinics within 1 km
Recreation
22
parks, libraries, sports within 1 km

Family-friendly — 10 schools within a 1 km walk.

Everyday convenience — 11 shopping and daily-needs spots nearby.

Healthcare close by — 3 hospitals/clinics within 1 km.

Green space & leisure — 22 parks, libraries and sports venues nearby.

Location

Other appraised units in this building

Data sourced from Renavon.com