Hong Kong property valuation, in plain English.
Written from primary sources (HKMA, R&VD, HKMC, HKIS) and from the dataset behind QPV. No marketing fluff, no recycled blog content. Read these to understand what a Hong Kong bank valuation actually does, when an AVM is enough, and when you need a chartered surveyor.
HKMA loan to value rules and your Hong Kong mortgage valuation.
The HKMA simplified residential LTV to a flat 70 percent on 16 October 2024. This is how the new regime works, when a low bank valuation actually bites the deal, and the five operational responses available to the borrower.
Why a village house is so hard to value.
A New Territories village house looks simple, but the licence it was built under, the premium status and the works added on top set the value, not the bricks. What actually moves the number.
03 Surveyor / MethodologyWhy three surveyors give three valuations.
Two surveyors can value the same Hong Kong flat differently without either being wrong. The acceptable margin of error, the six reasons valuations diverge, and the case for consistency.
04 Market / MethodologyHow property valuation differs by HK district.
Hong Kong Island, Kowloon and the New Territories do not just trade at different prices, they behave differently when you value them. What the official index reports, and which districts are hardest to value.
05 Regulation / AVMBank valuation came in low in Hong Kong: what to do.
Why a Hong Kong bank valuation lands below your purchase price, how to check in five minutes whether the bank is wrong, and the five moves to save the deal.
06 AVM / MethodologyHow Hong Kong AVMs should report confidence.
Every HK AVM gives you a number. Most do not tell you how confident they are. How confidence should be reported, what the global standards say, and how to read a valuation.
07 AVM / MethodologyAVM accuracy explained: MdAPE, PP10 and the HK gap.
What MdAPE, PP10 and FSD actually measure, what global AVM providers publish, what Hong Kong banks do not, and how QPV benchmarks its own model.
08 AVM / SurveyorAVM vs surveyor valuation in Hong Kong: when to use which.
When the bank's AVM is enough, when a HKIS chartered surveyor is required, and the decision framework for when a low bank valuation puts a deal at risk.
09 AVM / MethodologyAVM Hong Kong: a complete guide.
What an Automated Valuation Model is, how HK banks use AVMs for mortgage origination, what PPE10 accuracy means, and how QPV compares to bank tools.
10 Accuracy / MethodHow accurate are online property valuations?
The metrics that measure accuracy (PPE10, MdAPE, FSD), why almost no Hong Kong tool publishes them, and the five checks to make before you trust an online number.
11 Regulation / MarketNegative equity in Hong Kong 2026.
Your mortgage is bigger than the flat is worth. What that means, the latest HKMA figures showing cases roughly halved in early 2026, and the moves if your own flat is underwater.
12 Market / ValuationWhat a Hong Kong parking space is worth.
Car parks trade as standalone property, some for millions, yet Hong Kong publishes no official price index for them. What drives the value, why stamp duty is often just HK$100, and how a space is valued.
More Hong Kong valuation guides on the way.
The Hong Kong valuation cluster keeps expanding, with new guides added regularly. Email us if you want a topic covered.
See the QPV valuation behind the writing.
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