Buying a house at HK

Be aware that buying a house at HK is so much different from buying a house in Malaysia.

In Malaysia if you fail to obtain a loan for the house you bought within the stated time frame you can get back your deposit.  This rules doesn't exist in HK and the agent and developers will not tell you this and they will suck up those deposit just like that and instantly get rich.

Daylight robbery.

Update

Found out in HK when you buy house you first sign a temporary agreement and pay your deposit and 5 days later the developer will ask you to sign the final agreement which you won't get back your deposit based on the law in HK.  As for temporary agreement, the law didn't say you can't get back your deposit and getting back your deposit is a hassle you have to argue with your developer which most of the time they will not refund.

But in HK there is a government unit setup 3 years ago for first time house buyer to file a complaint to the developer for any dispute they may have or if the buyer found any discrepancy in the agreement.

The rule of thumb is.  If the bank loan can't cover the purchase amount leave it.  Don't rely on or even think about getting a loan from developer as it is trap