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.
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.