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    Hong Kong mortgage quote: 5.82% fixed for 15 years—what am I missing?

    The lowest-rate offer and the lowest-cost offer are not the same, and I am unsure which comparison deserves more weight. I have a quote of 5.82% for a Hong Kong property costing about HK$3,822,000, with a stated 15-year fixed period. Fees and the applicable loan-to-value band erase some of the...
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    Offering 3% below asking on a detached home in Hong Kong — sensible or too aggressive?

    We’re considering a three-bedroom detached home in Hong Kong listed at HK$4,797,000. It has been available for 75 days and needs updating. Nearby asking prices are similar, but we haven’t found enough completed sales to establish the likely clearing price. Would opening 3% below asking be...
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    Pricing the risk of a possible HK$655,200 building assessment

    I’m considering a 95 m² apartment in Hong Kong, but the building’s reserve appears thin while major exterior work is under discussion. Nothing has been approved yet, although owners are mentioning possible contributions as high as HK$655,200. I’m already looking at meeting minutes, insurance...
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