上年既今日， 我選擇左租樓，冇買到

樓主仲咁有心機同大家傾。香港地講到樓一定好多專家講幾年前買賺左幾百萬一開二，二開四之類，或者又話自己幾層樓又炒股兩邊大賺。但係樓主只不過岩岩做嘢，錯過幾年樓價低既時候，同大家分享下點投資對沖樓價升幅。
大家講買樓既好處我相信樓主都明喇，如果個個一畢業有五百萬，洗鬼講咁多咩，係人都又買樓又玩bond

有大部分人只係插我10% return assumption, 但又唔講自己層樓之後會升多幾倍都係assumption. 同埋我已經冇計到我仲可以借p loan 去賺risk free....我主要想講機會成本，但就俾人屌上天，錯哂重點

算喇。樓價長升令樓市變左神話，鬼叫我地遲出社會做嘢。做得兩三年嘢，儲左百幾二百萬起呢刻香港都唔係好多選擇。成日講幾年前點點點，晒氣

無謂同佢地拗呢樣野

長租必贏，起碼無風險
我都租咗十年，除咗搬黎搬去麻煩啲之外

搬屋真係好麻煩

同事2014年得50幾萬身家，樓市當年都係高位，諗租住等跌定買，最後老母迫佢買左層320萬新界樓，而家550萬準備賣，輸晒

退休唔難。
用黑市方法啦 梗係唔用正常方法去做

Property is easier in a sense it’s less time consuming and less emotionally stressed to managed your return. You also didn’t take into consideration of bond price and default risk.

I read a paper before, bb to b class bond had a 5-7% default rate. Probably lower for bb+, I personally won’t want to risk any of my funds. As you talking most minimum buy in are 200k.

I think it’s nice to get at least one house as your residents, take out the emotional stress for you to work on your self to make more money. At the end of the day, if you fucked up, you still got a house you can stay in.

very true, but the underlying idea is, how much we can guarantee the property price can continue the same trend as the past 30 years.

bb+ default rate can be less than 3%, so from a risk perspective, if there is > 97% certainty that property price can trend up 4 times in 30 years ahead, buying apartment is definitely not a bad decision. But these are all assumptions, i am still struggling if i should risk my money putting here for 30yrs if maximum gain from HK real estate market is only double with considerable downside risk. If i have unlimited capital, of course i can buy one as one of my investments. However I was arguing was it worth to buy it NOW given the opportunity cost of buying apartment is significant. But thanks for your reply

仲睇緊, 希望睇得岩

短期大升都講得出然後咁多人俾like兒登

想問係做左咩投資

你追post我中間講左好多好多方法

5m樓當買保險分散投資啦

買完無閒錢就諗吓點增加收入

咁嘅環境生左表示好後悔！

樓主非池中物

支持租樓，宜家買樓回報低

我大你好多, 租左10年樓以上, 無樓出租亦無自住.

除非你主動收入好勁又不穩, 否則呢十年間係好難追到樓價升幅, 但租金升幅就好易追到.

重點係, 我唔鐘意同廢老同謀合污, 非純粹投資考慮.

樓主你做多幾年野，有另一半一齊儲錢，開始月入10萬8萬，睇法又可能唔同架啦。

好多人諗到 仲要做左
好多公司都有賣自己office業權再同買家長租

買樓定租樓的確係投資決定
無話邊個一定錯
好似樓主咁講 睇你覺得樓價升得快定其他投資升得快
如果投資有5%以上回報 其實租樓再用d錢投資都無錯

皮老闆出現鳥
唔靠樓財自

office leasing 同residential都炒埋一碟黎講
我以前夠有好多客大手買入屋苑住宅單位放租同埋當員工宿舍 多數喺港島同埋九龍
唔好睇少啲公司客 尤其係中資

好簡單hk 樓已經去到冇得升階段
沒果唔係777都唔會出九成按
其實樓主都好叻，用首期對冲自己租樓既錢
自己都諗緊買樓定all in 債收息

仲要連續30年零犯錯，年年做到10%
樓主係咪曲線緊