I am moving to Hong Kong late next year and have a few questions about buying real estate. The quotes I am getting from the banks tell me that with a 95% mortgage on a 9 mil loan that I have to come up with almost $150k US, 1.2 million HK. Is there any way around these fees? I know I need to come up with the 5% down. The bank says that the fees for the deeds are 78,000 HK and the property agent gets 90,000 HK. Are there any way around that or is there a way for the seller to pay some? What about the stamp duty? Also can a family of 3 make it on 35,000 a month after all the bills are paid?