Blog
Upgrade Your Kitchen with Siemens Workshop
Siemens is hosting a free kitchen upgrade workshop in November at their Causeway Bay flagship store to help Hong Kong families design efficient kitchens and transition to induction cooking. The workshop covers kitchen layout planning, appliance selection, and features hands-on experience with Siemens products, along with exclusive shopping benefits for participants.
Hong Kong Property Law: Key Steps Before You Buy
This blog post outlines essential legal and financial considerations for property buyers in Hong Kong, including understanding provisional and formal sale agreements, conducting property searches, and calculating stamp duties. It emphasizes the importance of legal due diligence, financial planning for mortgage stability, and utilizing professional lawyers to mitigate risks and ensure a secure transaction.
Rent Tax Deduction Guide 2023
The 2022/23 tax season introduces a new tax deduction for residential rents in Hong Kong, allowing tenants to deduct up to HK$100,000 per year, with specific eligibility criteria and conditions outlined. Taxpayers must report this in section 8.5 of their tax return, and the measure aims to alleviate the tax burden for those renting without owning residential properties.
Second-Hand Property Inspection: A Buyer's Guide
Second-hand property transactions follow the 'as-is' purchase principle, placing all repair responsibility on the buyer after signing the contract, making thorough pre-purchase inspection crucial. The article provides a comprehensive guide covering key inspection areas such as water leakage, structural issues, doors/windows, electrical systems, and included appliances, along with the optimal timing and process for property inspection.
2026 Hong Kong Mortgage: Age Rules for Old Flats & Elderly Guarantors
本文探討香港銀行對高齡物業及長者擔保人的按揭審批機制，指出銀行普遍採用「減法法則」，以物業樓齡和借款人年齡兩者中較短者決定還款年期，年期縮短會導致每月供款大增，甚至令壓力測試失敗。文中提供實務建議，包括核實入伙紙年份、進行反向壓力測試及謹慎規劃聯名借款人結構，並解答居屋按揭及資產審批等常見問題。
BPP Mortgage Risks in 2026: Avoid Costly Funding Gaps
呢篇文章拆解咗建築期付款嘅關鍵風險，指出銀行會按收樓時嘅最新估值而非合約價批按揭，一旦樓價下跌，買家可能要補貼數十萬至過百萬現金差額。文章亦提供實務建議，例如提前三個月申請按揭、保持信貸靜默，以及了解發展商按揭作為備用方案。
Hong Kong Mortgage Pre-Approval: Myths and Truths
本文拆解按揭預先批核（AIP）的真實機制與限制，指出銀行未必願意提供正式預批，且預批不保證最終放款，物業狀況、個人財務變動等均可能導致失效。佣金制收入人士、自僱人士及依賴高成數按揭的買家，最需要在落訂前取得預批以降低撻訂風險。
Why Hong Kong Mortgage Refund Clauses Often Fail
香港二手物業買家簽約後若銀行拒批按揭，常因條款定義含糊、未盡合理努力或臨約與正約不一致而無法退訂。真正有效的做法是在簽約前完成按揭預先批核，並確保合約條款具體量化，以降低法律風險。
Bank Repo Mortgage Pitfalls: 3 Key Risks to Avoid
購買銀主盤不僅要考慮價格，更需面對嚴苛的按揭機制與法理風險。買家須注意「現狀買賣」條款可能隱藏違規結構、未解除命令等問題，導致銀行拒批按揭或大幅調低估值，甚至因無法完成交易而損失訂金。
4 Hidden Risks of Buying a Hong Kong Village House
購買村屋涉及地契、按揭、僭建及通行權等複雜風險，買家需進行詳細盡職審查，包括查冊、實地估價及預留還原資金。銀行對村屋按揭審批較保守，最高按揭成數通常為85%，且需確認業權及建築合規，否則可能影響轉售及貸款條件。
Avoiding Valuation Shortfalls in Hong Kong Mortgages
香港銀行審批按揭時，會以合約價與估價中的較低者為基礎，而非單純按成交價計算。若銀行估價低於成交價，買家需即時補足差額，否則可能面臨撻訂風險，因此簽約前應向多間銀行查詢估價，預留額外資金，並爭取較長的成交期。
Will Job Change Kill Your Mortgage? HK 2026 Guide
在香港物業買賣中，銀行按揭批核並非最終放款保證，尤其在成交前轉工、辭職或新增債務，可能導致貸款被削減甚至撤回。買家應在成交前保持工作與財務狀況穩定，避免信貸風險，以確保按揭順利放款。