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Do Fixed-Rate Mortgages Really Save on Interest?
It was recently circulated online that applications for Hang Seng Bank’s fixed-rate mortgage plan would close at the end of July, with no indication that the deadline would be extended. However, it was later confirmed that the application deadline had been extended to 31 August. Fixed-rate mor...
Squarefoot Editor   #Wed Property Focus  8 hours ago posted     130     2  
A friend recently shared that they had applied for the latest round of the White Form Secondary Market Scheme. After receiving a letter from the Housing Authority requesting the submission of a detailed income and asset declaration form, they realised that they did not actually know much about the s...
Squarefoot Editor   #Wed Property Focus  2026-07-29     8.2K     110     22
The ballot for the latest Home Ownership Scheme (HOS) was completed earlier, determining the order in which applicants will select flats. The first 10 ballot numbers for this round are 06, 28, 63, 29, 81, 16, 22, 60, 18 and 89. Flat selection is expected to take place in the third to fourth quarters...
Squarefoot Editor   #Wed Property Focus  2026-07-21     7.2K     126     21
Hong Kong’s Secondary One allocation results have been released. Combining the two stages of discretionary places and central allocation, 95% of students this year were allocated one of their top three school choices. However, allocation results are always a mixed experience for parents. Some ...
Squarefoot Editor   #Wed Property Focus  2026-07-14     4K     39     10
To improve the turnover of subsidised sale flats and help elderly owners enjoy a more secure retirement, the Housing Authority’s Subsidised Housing Committee has approved two new schemes. The new measures will relax restrictions on the rental and sale of flats with unpaid premiums, with applic...
Squarefoot Editor   #Wed Property Focus  2026-07-07     8.6K     178     18
In the previous article, we discussed the difference between “top-up mortgages” and “second mortgages.” In particular, we mentioned that before applying for a second mortgage, homeowners must first obtain consent from the original first-mortgage bank. Otherwise, this not only...
Squarefoot Editor   #Wed Property Focus  2026-06-30     3.4K     11     3
When buying a property or looking for extra cash flow, you may often come across terms such as “second mortgage” and “top-up mortgage.” Both are related to property mortgages, and both can be used to release cash from a property. So what exactly is the difference between the ...
Squarefoot Editor   #Wed Property Focus  2026-06-23     2.5K     14     5
As times change, office models have also become increasingly diverse, and businesses may not necessarily need to rent an entire office. Many people choose coworking spaces or business centres, which some also refer to as serviced offices. The two appear similar, both providing flexible office soluti...
Squarefoot Editor   #Wed Property Focus  2026-06-16     3.4K     15     7
When buying property in Hong Kong, many people mistakenly believe that after signing a provisional sale and purchase agreement, the worst-case scenario if they change their mind is losing the provisional deposit, commonly known as the “initial deposit.” Generally speaking, “must bu...
Squarefoot Editor   #Wed Property Focus  2026-06-09     7K     96     22
In recent years, more people have been travelling north to buy electrical appliances in mainland China, or ordering them through mainland e-commerce platforms. The main reasons are lower prices, a wider range of models, and more feature options. But are these appliances suitable for use in Hong Kong...
Squarefoot Editor   #Wed Property Focus  2026-06-03     8.8K     42     18
Whenever a new development is launched, it often attracts many prospective buyers to submit registrations for purchase, and oversubscription is common. To improve their chances of being selected, some buyers will try every possible way, even asking immediate family members to submit registrations as...
Squarefoot Editor   #Wed Property Focus  2026-05-27     4.9K     37     15
We often hear of parents moving homes for the sake of their children’s education. Some families relocate to a preferred school net in the hope of increasing their child’s chances of being allocated a place at a desired school. However, not every family has the budget to move into a tradi...
Squarefoot Editor   #Wed Property Focus  2026-05-19     4.9K     39     10
In recent years, more couples have chosen to purchase a property and move in together before marriage, creating their own shared space early on. However, buying a home involves significant financial commitments and long-term responsibilities. Aside from down payments and mortgage repayments, a key t...
Squarefoot Editor   #Wed Property Focus  2026-05-12     6.4K     99     12
Our Hong Kong Foundation (OHKF) recently published its Hong Kong Housing Landscape Navigator 2026 report, highlighting that it is time for Hong Kong to systematically promote public housing redevelopment. The report points out that 41,000 public housing units are currently planned or under redevelop...
Squarefoot Editor   #Wed Property Focus  2026-05-05     7.1K     34     7
A friend preparing to move into a new home has been busy selecting furniture and appliances. But amid the excitement of planning the decor, it became apparent that one seemingly simple yet essential item had been overlooked–curtains.Choosing curtains involves far more than selecting patterns ...
Squarefoot Editor   #Wed Property Focus  2026-04-28     12K     71     23
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