General Assessment

    Variable(2018)
    Data
    Main constraints in the development of the housing finance sector  
    New developments that will have a major impact on the sector 
    back to top | Country Data:
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    Notes: % of mortgage loans approved (incl. those not drawn down)
    Notes: % of mortgage loans approved (incl. those not drawn down)
    Notes: % of mortgage loans approved (incl. those not drawn down)
    Notes: % of new loans approved with fixed rate
    Notes: % of new loans approved with fixed rate
    Notes: % of new loans approved with reference to Best Lending Rate (set by HSBC, a private commercial bank)
    Notes: % of new loans approved with reference to Best Lending Rate (set by HSBC, a private commercial bank)
    Notes: % of new loans approved with reference to HIBOR
    Notes: % of new loans approved with reference to HIBOR
    Notes: % of other new loans
    Notes: % of other new loans
    Notes: An automatic 20% tax deduction for "statutory repairs and outgoings"
    Notes: average
    Notes: average
    Notes: average
    Notes: average
    Notes: average
    Notes: Average. Please visit the Research Center for data from 2006 to 2010.
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: Bank of China Hong Kong is 100% owned by Bank of China, for which the PRC government is the majority shareholder
    Notes: DTSI max of 50% for MIP loans, but first-time homebuyers do not have to meet it, provided they pay a premium
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMA has issused macroprudential guidelines setting LTV max at 70% but the legal limit is 90%
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC guarantees the portion of mortgages over 60% LTV (generally) through MIP
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is owned by the HK government and offers mortgage insurance
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: HKMC is wholly owned by the Hong Kong Government
    Notes: Home Ownership Scheme from the HK Housing Authority subsidizes house purchase price at 30-40%. Sandwich Class Housing Scheme from the HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month).
    Notes: Home Ownership Scheme from the HK Housing Authority subsidizes house purchase price at 30-40%. Sandwich Class Housing Scheme from the HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month).
    Notes: Home Ownership Scheme from the HK Housing Authority subsidizes house purchase price at 30-40%. Sandwich Class Housing Scheme from the HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month).
    Notes: Home Ownership Scheme from the HK Housing Authority subsidizes house purchase price at 30-40%. Sandwich Class Housing Scheme from the HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month).
    Notes: Home Ownership Scheme from the HK Housing Authority subsidizes house purchase price at 30-40%. Sandwich Class Housing Scheme from the HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month).
    Notes: Home Ownership Scheme from the HK Housing Authority subsidizes house purchase price at 30-40%. Sandwich Class Housing Scheme from the HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month).
    Notes: Home Ownership Scheme from the HK Housing Authority subsidizes house purchase price at 30-40%. Sandwich Class Housing Scheme from the HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month).
    Notes: Home Purchase Loan Scheme by HK Housing Authority offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Home Purchase Loan Scheme by HK Housing Authority offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Home Purchase Loan Scheme by HK Housing Authority offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Home Purchase Loan Scheme by HK Housing Authority offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Home Purchase Loan Scheme by HK Housing Authority offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Home Purchase Loan Scheme by HK Housing Authority offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Home Purchase Loan Scheme by HK Housing Authority offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Home Purchase Loan Scheme by HK Housing Authority offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Home Starter Loan Scheme by HK Housing Society subsidized interest for families with income HK$70,000 (~USD9,000) to 2-3.5%. Home Purchase Loan Scheme offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Home Starter Loan Scheme by HK Housing Society subsidized interest for families with income HK$70,000 (~USD9,000) to 2-3.5%. Home Purchase Loan Scheme offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Home Starter Loan Scheme by HK Housing Society subsidized interest for families with income HK$70,000 (~USD9,000) to 2-3.5%. Home Purchase Loan Scheme offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Home Starter Loan Scheme by HK Housing Society subsidized interest for families with income HK$70,000 (~USD9,000) to 2-3.5%. Home Purchase Loan Scheme offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Home Starter Loan Scheme by HK Housing Society subsidized interest for families with income HK$70,000 (~USD9,000) to 2-3.5%. Home Purchase Loan Scheme offered interest-free loans to public rental housing tenants with income under HK$30,000 (~USD400) per month
    Notes: Hong Kong is 100% urban
    Notes: Hong Kong is 100% urban
    Notes: Hong Kong is 100% urban
    Notes: Hong Kong is 100% urban
    Notes: Hong Kong is 100% urban
    Notes: Hong Kong is 100% urban
    Notes: Hong Kong is 100% urban
    Notes: Hong Kong is 100% urban
    Notes: Hong Kong is 100% urban
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Monetary Authority sets macroprudential measures
    Notes: Hong Kong Mortgage Corporation has a monopoly on mortgage insurance
    Notes: In 1999, the Hong Kong Mortgage Corporation (HKMC) launched an MIP aimed at promoting wider home ownership. Under the MIP, mortgage loans of up to an LTV ratio of 90% were made available to homebuyers meeting certain eligibility criteria.
    Notes: Max interest rate on all loans is 60%
    Notes: Max LTV limit is 90%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max LTV under MIP loan. Macroprudential measures set max LTV at 70%
    Notes: Max term for MIP loans
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV. 22 banks participate in the program.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV. 22 banks participate in the program.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV. 23 banks participate in the program.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV. 23 banks participate in the program.
    Notes: MIP is the only mortgage insurance product available. It generally applies for the portion of residential mortgages in excess of 60% LTV. 23 banks participate in the program.
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: National figure but Hong Kong is 100% urban
    Notes: Prior to the adoption of the LTV policy in 1991, the Third Schedule of the Banking Ordinance allowed a max LTV of 90%. After 1991, a 70% LTV maximum was accepted by banks as a macroprudential measure but still technically allowed.
    Notes: Property lease stamp duty ranges from 0.25 to 1% on annual rental value. Property tax of 15% on income-producing properties.
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is 5% of estimated annual rental value of property
    Notes: Property tax rate is set by local government
    Notes: Property tax rate is set by local government
    Notes: Property tax rate is set by local government
    Notes: Rental income tax is levied at a flat rate of 15%
    Notes: residential flats
    Notes: residential flats
    Notes: Residential flats
    Notes: Residential flats
    Notes: Residential flats
    Notes: Residential flats
    Notes: Residential flats
    Notes: Residential flats
    Notes: Residential flats
    Notes: Residential flats
    Notes: Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Stamp duty ranges from 1.5 to 8.5%. Special stamp duty for residential property resold within 24-36 months ranges from 10-20%
    Notes: Stamp duty ranges from 1.5 to 8.5%. Special stamp duty for residential property resold within 24-36 months ranges from 10-20%
    Notes: Stamp duty ranges from 1.5 to 8.5%. Special stamp duty for residential property resold within 24-36 months ranges from 10-20%
    Notes: Tenants Purchase Scheme by HK Housing Authority sold discounted houses at 55-70% of market value. Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Tenants Purchase Scheme by HK Housing Authority sold discounted houses at 55-70% of market value. Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Tenants Purchase Scheme by HK Housing Authority sold discounted houses at 55-70% of market value. Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Tenants Purchase Scheme by HK Housing Authority sold discounted houses at 55-70% of market value. Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Tenants Purchase Scheme by HK Housing Authority sold discounted houses at 55-70% of market value. Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Tenants Purchase Scheme by HK Housing Authority sold discounted houses at 55-70% of market value. Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Tenants Purchase Scheme by HK Housing Authority sold discounted houses at 55-70% of market value. Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Tenants Purchase Scheme by HK Housing Authority sold discounted houses at 55-70% of market value. Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: Tenants Purchase Scheme by HK Housing Authority sold discounted houses at 55-70% of market value. Sandwich Class Housing Scheme by HK Housing Society covers all construction costs and half of land price and sells flats at below-market prices to middle-income households (HK$30,001-60,000/~USD4,000-7,500 per month)
    Notes: The Ad Valorem Stamp Duty is levied at a rate that ranges from 1.5-8.5% depending on the cost of the property
    Notes: The Ad Valorem Stamp Duty is levied at a rate that ranges from 1.5-8.5% depending on the cost of the property
    Notes: The Ad Valorem Stamp Duty is levied at a rate that ranges from 1.5-8.5% depending on the cost of the property
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors
    Notes: The Code of Practice on Consumer Credit Data regulates the scope of data provided to Credit Rating Agencies and the methods of access to consumer credit data by creditors