Recent content by BenRain

My practical next step would be to request the same short table from each lender: loan amount, monthly payment, total interest for 24 months, all mandatory fees, balance after month 24, early-repayment terms and precise portability conditions. Then run the refinance scenarios separately. If...

The part that changed my view was the possible holding period. Even if comparable lettings support HK$29,260 and the annual expense assumptions are sound, buying and later selling costs can still dominate a short ownership period. I would handle this in stages: verify the rent first, then...