A Hong Kong flat usually sits under three separate insurance policies arranged by three different parties — and the two compulsory ones exist to protect somebody other than the owner. Here is what each layer covers, and where the gaps sit.
Rent arrears are the part of letting a Hong Kong flat where instinct is reliably wrong and procedure is everything. Here is what the law implies into every domestic tenancy, which forum hears which claim, the two documents that decide whether you can sue at all, and why two months’ deposit is a buffer rather than a remedy.
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.