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Unlock Insights with Our New Property Transaction Analysis Features

May 28, 2025

A Beginner's Guide to Negative Equity and "Call Loan"

March 26, 2025

Code of Practice for Fire Safety in Buildings - Everything you Need to Know

March 26, 2025

Joint Tenancy v.s. Tenancy in Common

March 26, 2025

A Complete Guide to Buying a Pre-sale Property in Hong Kong

March 26, 2025

All articles related to "Blog"

Unlock Insights with Our New Property Transaction Analysis Features

At Spacious.hk, we’ve always believed that smarter property decisions come from better data and greater transparency. Today, I’m pleased to share the most significant upgrade to our platform to date — a major step forward in how Hong Kong property data is delivered and understood. Real-Time Transaction UpdatesA New Standard in Property Transparency With this upgrade, we’re introducing a powerful feature: You can now follow […]

May 28, 2025

A Beginner's Guide to Negative Equity and "Call Loan"

Negative equity assets brought up painful memory in Hong Kong from the 1997 financial crisis to the 2003 SARS epidemic. Homeowners of negative equity were forced to repay heavy mortgage loans as lenders started to call in the loans (as known as Call Loan). It is important to know the definition, causes and consequences of negative equity . Spacious has […]

March 26, 2025

Code of Practice for Fire Safety in Buildings - Everything you Need to Know

In recent years, open kitchens have become increasingly common in new developments. Are there any requirements of fire prevention for owners? What should be noted when renovating an open kitchen? To help you avoid legal pitfalls, Spacious has compiled some key points from the Code of Practice for Fire Safety in Buildings, as well as precautions for renovating an open […]

March 26, 2025

Joint Tenancy v.s. Tenancy in Common

When couples purchase a property, they may consider whether to own the property in one’s own name or both. This article focuses on two types of co-ownership: tenancy in common and joint tenancy. It is important to understand the difference between the two terms. Otherwise, one may mistakenly believe that they have half of the property ownership, when in fact […]

March 26, 2025

A Complete Guide to Buying a Pre-sale Property in Hong Kong

In recent years, there has been a rising trend of buying pre-sale properties. Eye-catching figures such as number of subscriptions, registration of intent and lots-drawing for flat selection priority hit the headline almost every day. These jargons can be a bit overwhelming for first-time homebuyers. What do they actually mean? What is the process for buying an off-plan property ? […]

March 26, 2025

Property Developers' Series - Sino Group

Sino Group is a household name in Hong Kong’s real estate, along with four major real estate families in Hong Kong – Sun Hung Kai Properties, Henderson Land Development, New World Development and Cheung Kong Property Holdings. Originated from Singapore, Sino Group has been in Hong Kong for nearly half a century, building a real estate empire with over 250 […]

March 26, 2025

An Overview of Loan-to-value Ratio for Mortgages in Hong Kong

The maximum loan-to-value ratio (LTV ratio) for mortgages provided by banks depends on the property value. The actual approved loan-to-value ratio varies based on stress testing, property valuation, the borrower’s financial condition and the property type. LTV ratios differ between first-time and non-first-time homebuyers, as well as for private properties, village houses and public housing. Spacious consolidated a summary to […]

March 26, 2025

Common Issues with Subdivided Flats and Alternate Rental Options

Hong Kong is facing a housing shortage, and many citizens are forced to live in subdivided flats. According to statistics released by the Census and Statistics Department in 2021, there are approximately 107,000 subdivided flats across Hong Kong, housing a total of 215,700 people. The average household size is 2 persons, with an average living space of about 65 square […]

March 25, 2025

Open Kitchen in Hong Kong: Everything You Need to Know

Many families opt for open kitchen design to increase the space of the dining room. Even many new affordable housing projects in recent years are designed with open kitchens. Is an open kitchen really that good? Are there any potential problems to consider? What should homeowners pay attention to before renovation? Spacious has listed the advantages and disadvantages of open […]

March 25, 2025

A Complete Guide to Reverse Mortgage

The reverse mortgage program has the merit of lifetime loan repayment exemption. What exactly is it about? Spacious has everything you need to know about reverse mortgage. Keep reading to find out the program’s eligibility requirements, loan-to-value ratio, loan tenure, annuity amount, disbursement and more. Jump to: What is Reverse Mortgage | Eligibility | Annuity Value | Interest Rates | […]

March 25, 2025

Land Use in Hong Kong - Everything You Need to Know

Land use planning is an important part of Hong Kong’s development blueprint. In recent years, there have been numerous discussions surrounding this topic. With limited land and a dense population, careful planning is necessary to ensure optimal utilization of land, meeting the diverse development needs. It is important to understand the urban planning that shapes our lives. This includes understanding […]

March 25, 2025

Property Developers' Series - Henderson Land

The retired chairman of Henderson Land, Lee Shau-kee, has been a prominent figure in the real estate industry for many years. His reputation is no less than that of another real estate tycoon, the chairman of Cheung Kong Property Holdings, Li Ka-shing. Lee has dedicated his life to the business world. Starting with only HK$ 1,000 when he came to […]

March 25, 2025

A Complete Guide to TransUnion Credit Report

When a bank decides on a mortgage loan amount, they consider not only the applicant’s income, but also check their TransUnion credit report. The credit report tells a lot about the applicant’s financial health. In this article, Spacious will teach you how to read the credit report and improve your credit score. Jump to: What is a Credit Report? | […]

March 25, 2025

7 Tips for Apartment Living with Dogs in Hong Kong

Hong Kong is one of the most densely populated cities in the world, with limited space for both humans and their furry companions. Cohabitating with a dog in Hong Kong can be challenging, but with some preparation, patience, and love, it is possible to provide a happy and healthy environment for your four-legged friends. In this blog, we speak to […]

March 25, 2025

The Basics of Formal Agreement for Sale and Purchase

During a property transaction, both the buyer and seller sign various documents, including the Formal Agreement For Sale and Purchase as well as the Provisional one, the Assignment and Mortgage Deed. All these agreements have legal validity. One might wonder why it is necessary to sign the Formal Agreement if the Provisional one already holds legal effect. What are the […]

March 25, 2025

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