20+ yrs. property at Shaukeiwan with gd maintanence costs about 1m, if both of u hv stable income, may try to make it 90% mortgage.. won't cost u much but at least that's a 自人市場 ar...
my hb bot this kind of flat in 2005 @ about 0.6m, and sold at 1.1m last year... than we gain our 首期 for the next property..