Buying or selling a flat in Hong Kong follows a well-defined legal path from the provisional agreement to completion. Here is how each stage works — and where careful buyers protect themselves.
Almost every home in Hong Kong sits on leased Government land, not freehold. Here is what leasehold ownership really means, why the year 2047 mattered, and how a new extension law has reshaped the picture for buyers and owners.
After the 2024 easing of Hong Kong’s mortgage rules — a 70% loan-to-value cap for all homes, a suspended stress test and up to 90% financing for first-time buyers — borrowing power has rarely been clearer. Here is how to use it.
When buyers in Hong Kong calculate what they can afford, they focus almost entirely on the purchase price. But the annual cost of owning a property — rates, ground rent, management fees, insurance, and potential property tax — adds up to tens of thousands of HKD per year. This guide breaks down every recurring cost with a worked example