How to Calculate the Total Cash You Need to Buy Your First Flat in Hong Kong
A complete breakdown of every upfront cash cost when buying a first flat in Hong Kong: down payment, AVD stamp duty, MIP, agency commission, legal fees, and more.
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All articles about Hong Kong First-Time Home Buyer Guide.
Alternatives to Hiring a Hong Kong Property Agent for Your First Purchase
What alternatives exist to relying on a Hong Kong property agent when buying your first flat? A clear comparison of DIY research, forums, free resources, and structured guides.
Hong Kong First-Time Buyer Guide vs Hiring a Property Agent: Which Is Better?
Comparing a structured Hong Kong home buying guide against relying on a property agent. Which gives first-time buyers better protection and lower total cost?
Best Home Buying Guide for Non-Cantonese Speakers in Hong Kong
The best English-language resource for expats, returnees, and non-Cantonese speakers buying their first flat in Hong Kong. What free sources miss and why it matters.
Best First-Time Buyer Guide for HOS Ballot Applicants in Hong Kong
The best resource for Hong Kong buyers navigating the HOS White Form ballot, alienation premium calculations, and the decision between subsidised and private flats.
Provisional Sale and Purchase Agreement Hong Kong: Risks, Deposits, and What Happens If You Back Out
Provisional sale and purchase agreement Hong Kong explained: why it's legally binding, the 3-5% deposit rules, what happens when buyers or sellers default.
Hong Kong Property Market Outlook 2026: What First-Time Buyers Need to Know
Hong Kong property market outlook 2026: prices up 8% from trough, stamp duties gone, mortgage rules relaxed. What it means for first-time buyers this year.
First Time Home Buyer Hong Kong: Complete Guide to Buying Property in HK
First time home buyer Hong Kong guide: mortgage rules, stamp duty, HOS vs private, PSPA process, and every cost you need to budget for before you buy.
Deed of Mutual Covenant Hong Kong: What It Is and Why Every Buyer Must Read It
The Deed of Mutual Covenant (DMC) in Hong Kong governs your management fees, building rights, and ownership restrictions. Here's what to check before you buy.
Ad Valorem Stamp Duty Hong Kong: Scale 1 vs Scale 2 and How Much You Actually Pay
Ad valorem stamp duty Hong Kong explained: Scale 2 rates for first-time HKPR buyers, Scale 1 for companies and second properties, with real calculation examples.
Mortgage Insurance Programme Hong Kong: MIP Premium Tables and How to Get 90% LTV
Hong Kong Mortgage Insurance Programme (MIP) explained: HKMC premium tables, 90% LTV eligibility, MIP vs standard mortgage, and the rental exemption rules.
Home Ownership Scheme Hong Kong: HOS, GSH, and Subsidised Housing Explained
Complete guide to Hong Kong's Home Ownership Scheme (HOS), Green Form Subsidised Home Ownership Scheme (GSH), and who qualifies for subsidised housing.
Nano Flat Hong Kong: What Buyers Need to Know Before Purchasing a Sub-200 Sq Ft Unit
Nano flats in Hong Kong: real costs, mortgage constraints, resale risks, and what the 200 sq ft minimum rule means for first-time buyers.
Hong Kong Mortgage Calculator: What Your Numbers Actually Mean
Use a Hong Kong mortgage calculator correctly: understand LTV caps, DSR limits, MIP premiums, and what your monthly repayment really costs you.