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Crescira AVM · estimated value Medium confidence
HK$23.94M
≈ HK$19,659 / 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 70% mortgage, the deposit on this unit is about HK$7.18M, with repayments around HK$81,234/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 70%
Term
▼ 0.50% · 3.625%
HK$76,441
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,819
−HK$2,415/mo
Today · 4.125%
HK$81,234
baseline
▲ 0.50% · 4.625%
HK$86,177
+HK$4,943/mo

Deposit HK$7.18M · loan HK$16.76M · min. income ≈ HK$162,468/mo (50% DSR)

Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$1,017,661 · Scale 2, in force from 26 Feb 2026)

Unit Information

Floor
3/F
Flat
B
Saleable Area
1,218 ft²
District
Sai Kung District · New Territories East
School net (POA)
95

Transaction History

Date Price Gain / loss
2026-02-26 HK$26.00M

QoL Matrix

View full Quality-of-Life page → Government open data
Nearest MTR
Po Lam
≈ 43 min walk · 3,420 m
(quite far — consider other transport options)
Education
2
schools within 1 km (2 within 500 m)
Daily convenience
2
within 1 km (2 within 500 m)
Health
0
hospitals/clinics within 1 km
Recreation
2
parks, libraries, sports within 1 km

Location

Other appraised units in this building

Data sourced from Renavon.com