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Don’t let the mortgage discussion obscure the cash downside. The buyer needs a separate, itemised estimate of purchase and financing costs, who provides each figure, and whether it is confirmed or provisional. The broker may coordinate that list, but the relevant solicitor, lender or other party...

I’d make three cases: expected rent with normal turnover, rent reduced with an extended vacancy, and a bad year combining vacancy, a major repair and higher financing cost. Then verify the HK$25,470 rent, identify every charge allocated to owner versus tenant, and price insurance and management...

One more missing piece is how you define each neighbourhood. A broad district can combine newer apartments with older stock and make a 3.8% movement look more meaningful than it is. I’d separate new listings, price cuts and withdrawals, then compare only similar property types and condition levels.

I’d reverse that order slightly. Before reading too many market opinions, write down what you are trying to compare: purchase cost, financing, renovation, ongoing management, or eventual resale. Otherwise figures from different markets can look comparable when they measure different things. Are...

I’d be careful with the 12-day figure. Does it measure time until an accepted offer, removal from the market, or recorded completion? Those produce very different interpretations, especially if withdrawn listings disappear from the sample. Also, what insurance issue do you mean—building...