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I would be careful about making the condition filter too rigid. “No major immediate structural work” is sensible, but excluding every property with upcoming maintenance could remove well-kept buildings from consideration. The useful distinction is between manageable routine work, disruptive...

A useful worksheet would have separate columns for original asking price, latest asking price, days before first cut, current charge, what that charge covers, condition, financing status, school boundary and final outcome. That should expose whether charges or poor condition are really driving...

One more missing figure is the balance outstanding at the end of your chosen comparison period. Two loans can produce similar monthly payments but leave different balances, so adding up payments alone can mislead. I’d model at least three outcomes: keeping the loan for 10 years, repaying early...

Are both lenders using the same down payment and loan term? A different loan-to-value tier could explain more of the gap than the headline rate. Also ask whether each lender is treating the serviced apartment the same way for lending purposes; otherwise you may not be comparing equivalent offers.

HK$8,736,000 to HK$13,100,000 is the asking range I’m following for Hong Kong apartments. The snapshot reports a 3.8% movement and about 12 days, yet condition appears to affect negotiations much more than that headline suggests. I’m trying to work out whether building-related insurance...

I saved a group of Hong Kong coastal listings between HK$6,521,000 and HK$9,781,000 this month. They appear to need roughly 117 days to find a buyer, but the individual properties are moving very differently. Most of the long-running outliers seem to have maintenance or condition issues. Is 117...