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Agreed on obtaining the written reset terms. I would make a small table for each lender: cash needed at completion, first-year monthly payment, first-year fees and interest, balance after one year, payment after reset, and cost of repaying at months 12 and 24. Portability belongs in the table...

What loan amount and loan-to-value tier does the quote use? The HK$7,683,000 purchase price alone is not enough to compare it with another offer. I would also ask each lender for the exact balance remaining after 12 months, since two loans with similar first-year payments may leave you owing...

A practical reading order could be: local market data, first-purchase questions, mortgage comparisons, then legal checklists. After that, explore renovation and property-management discussions if a particular studio needs work or may be rented later. Before relying on any checklist, confirm that...

How close are those comparables in age, condition, floor area and access to transport? Five bedrooms narrows the field, so one or two unusual listings could distort the apparent market. Also look at how long they have been advertised. An asking price without evidence of demand is a weak reason...