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.
This checklist covers 15 specific things to inspect, ask about, or verify before you commit to an offer on any Hong Kong residential property. It applies equally to first-time buyers, seasoned investors, and expats navigating the market for the first time.