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    Finance & Legal

Compulsory Sale for Redevelopment in Hong Kong: Lower Thresholds, the Valuation Basis and What Minority Owners Should Do

An educational 4:3 infographic on Hong Kong's updated Land (Compulsory Sale for Redevelopment) Ordinance against a skyline backdrop of urban renewal. Section 1 outlines lowered thresholds (reduced from 80% down to 70% or 65% based on building age and designated areas). Section 2 explains the valuation basis (proceeds distributed according to Existing Use Value, EUV ratios). Section 3 provides action steps for minority owners (check building age, seek legal and survey support, file notice of opposition within 21 days).
Published: 2026-09-09 | Updated: 2026-09-09

Since December 2024 a party holding as little as 65 per cent of a Hong Kong lot can ask the Lands Tribunal to order the whole building sold for redevelopment. Here is how the thresholds work, how the proceeds are divided, and what owners and buyers of older flats should check.

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Gross Yield, Net Reality: Property Tax, Personal Assessment and What a Hong Kong Letting Really Returns

An educational real estate graphic contrasting paper return (gross yield, e.g., 5%) and actual return (net yield, e.g., 2.5%) for Hong Kong rental properties. The graphic breaks down necessary expense deductions (rates & government rent, management fees, repairs) and tax deductions (15% property tax vs. optional personal assessment) set against the Victoria Harbour skyline.
Published: 2026-09-04 | Updated: 2026-09-04

Rental yield quotes are gross figures. Using one verified early-September letting, this guide works through how Hong Kong property tax is computed, when a personal assessment election changes the answer, and which filing dates carry a consequence worse than a penalty.

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Refinancing a Hong Kong Mortgage: Penalty Periods, Cash Rebates and the Limits Nobody Quotes

An educational infographic on Hong Kong mortgage refinancing featuring the Victoria Harbour skyline. The graphic is structured into three main sections: Penalty Period (typically 2-3 years), Cash Rebate incentives from banks, and The Two Unquoted Caps detailing Cap 1: Actual Interest Rate Cap (H-Plan/P-Plan rate cap) and Cap 2: Loan Amount Cap (property valuation percentage and regulatory limits).
Published: 2026-09-02 | Updated: 2026-09-02

Cash rebates are what banks advertise, but the saving lives in the rate spread — and the penalty period, the valuation and the building age decide whether a switch is worth doing at all.

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Water Seepage in Hong Kong Flats: The New Investigation Procedure, Who Pays and What Buyers Should Check

An infographic detailing Hong Kong residential water seepage issues. The layout is divided into three sections: the left shows the new investigation procedures (Notice, Gather Evidence, Joint Investigation); the center illustrates the liability and cost-sharing between landlords and tenants using a scale; the right provides checklists for buyers and tenants, including pre-purchase inspections, water testing, visual signs, and plumbing checks
Published: 2026-08-31 | Updated: 2026-08-31

Water seepage is the most common flat-to-flat dispute in Hong Kong, and the investigation procedure changed on 16 July 2026. What the Joint Office can and cannot act on, the 35 per cent evidential threshold, who ends up paying for the damage, and the checks that belong in every purchase and tenancy.

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Buying Hong Kong Property Through a Company: Share Transfers, Stamp Duty and the Due Diligence That Matters

An infographic detailing corporate ownership and transactions of Hong Kong property. Divided into 4 sections: 1. Corporate Structure (holding company, property subsidiary, and shareholders); 2. Share Transfer (buying company shares rather than property directly to change control); 3. Stamp Duty (comparing property stamp duty vs. share transfer stamp duty to illustrate tax savings); 4. Due Diligence (legal and financial DD, evaluating liabilities, confirming corporate standing). Bottom tips emphasize engaging a solicitor, securing tax advisors, staying informed, and planning ahead.
Published: 2026-08-14 | Updated: 2026-08-14

At the upper end of the Hong Kong market, buyers often acquire the company that owns a property rather than the property itself. The stamp duty saving is real — but so is everything else you inherit with the company.

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When a Hong Kong Property Sale Falls Through: Deposits, Remedies and What Each Side Can Actually Do

An infographic guide outlining the legal remedies and options when a Hong Kong property transaction falls through. Divided into 2 main columns: Left side covers seller remedies if the buyer defaults (forfeiture of initial deposit, forfeiture of further deposit, mitigating losses with replacement buyers, and claiming additional damages); Right side covers buyer remedies if the seller defaults (full refund of deposits, payment of 'double deposit', suing for specific performance, and claiming actual damages). Bottom tips emphasize immediate legal advice, inspecting contract terms, and quick action to mitigate losses.
Published: 2026-08-13 | Updated: 2026-08-13

Most Hong Kong sales complete quietly, but a meaningful minority collapse between the provisional agreement and completion. Here is what is at stake for buyers and sellers when a deal fails, and how to reduce the risk before you sign.

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Valuation Shortfalls in Hong Kong: What Happens When the Bank Values Your Flat Below the Agreed Price

An infographic detailing how to handle bank valuation shortfalls in Hong Kong property transactions. The workflow covers 6 sections: 1. The Situation (transaction price exceeds bank valuation); 2. Consequences (reduced mortgage loan amount and required extra downpayment); 3. Why It Happens (market fluctuations, property condition/view, location factors); 4. Step-by-Step Actions (inquire with multiple banks, appeal the valuation with evidence, adjust financial plans); 5. Mitigation Strategies (re-negotiate price, add a guarantor, switch mortgage plans); 6. Long-Term Planning (get pre-approval before offering, maintain cash reserves). Bottom tips emphasize engaging a solicitor and working with mortgage brokers.
Published: 2026-08-11 | Updated: 2026-08-11

Hong Kong lenders lend against the lower of the price and their own valuation, so a shortfall can appear after your deposit is already committed. Here is how valuation works, why it comes in low, and how to protect yourself before signing.

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Buying a Flat With a Sitting Tenant in Hong Kong: Vacant Possession, Existing Tenancies and What to Check

An infographic detailing the process of buying a property with a sitting tenant in Hong Kong. The central illustration depicts a residential building against the Hong Kong skyline. The workflow is split into 6 sections: Section 1: Key Concepts (Vacant Possession vs. Existing Tenancy), Section 2: Verify Tenancy (Terms, Break Clause, Stamping), Section 3: Financial Due Diligence (Rent Records, Deposits, Arrears), Section 4: Legal Title & Property Inspection, Section 5: Mortgage & Legal Procedures (Bank Notification & LTV Adjustments), and Section 6: Completion & Transfer (Notifying Tenant & Assigning Rent). Bottom tips highlight no automatic vacant possession and protection of tenant rights.
Published: 2026-08-07 | Updated: 2026-08-07

Buying a tenanted Hong Kong flat can mean income from day one — or a completion-day headache. Here is what purchasers should establish about the tenancy, the deposit and vacant possession before the provisional agreement is signed.

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Inheriting Property in Hong Kong: Probate, Executors and Selling an Inherited Flat

An infographic detailing the step-by-step process of inheriting and selling a property in Hong Kong. It is divided into 3 main columns: 1. Probate Process (applying for Grant of Probate or Letters of Administration via High Court); 2. Duties of Executor (identifying assets/liabilities, paying debts, and transferring property to beneficiaries); 3. Selling Inherited Flat (obtaining legal title via Assent, inspecting property, working with real estate agents, and completion). The bottom section highlights key considerations, such as engaging a solicitor, property valuation, beneficiary consent, and NO Extra Stamp Duty (SSD) on inherited properties.
Published: 2026-08-05 | Updated: 2026-08-05

Inheriting a Hong Kong flat rarely means you can sell it straight away. Here is how probate, executorship and title all fit together — and what beneficiaries should sort out before approaching the market.

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Understanding the Deed of Mutual Covenant and Management Fees in Hong Kong: A Buyer’s Guide

In a high-rise office with a panoramic view of the Hong Kong skyline and Victoria Harbour, an estate agent in a navy blazer presents an informational guide to a couple. On the table, an open binder titled "DEED OF MUTUAL COVENANT (DMC) & MANAGEMENT FEES" contains infographics and charts, while a wall-mounted chart details the guide's contents, including sections on owner's rights, apportionment of shares, and management fee schedules. The man holds a calculator and points at the guide, while the woman takes notes in a spiral notebook.
Published: 2026-07-29 | Updated: 2026-07-29

The Deed of Mutual Covenant and monthly management fee quietly govern life in every Hong Kong flat. Here is what buyers should understand about shares, fees, reserve funds and building management before they commit.

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