Current mortgage rates in Hong Kong average 2.5%. A few years ago, mortgage rates dropped below 1% before returning to a relatively normal level. With such inexpensive funding, real estate investors can easily achieve "positive equity", i.e. the monthly cash inflow is more than sufficient to cover monthly installment, thus a retain a positive cash balance after deducting all the outgoing expenses. Positive equity is not at all achievable in many big cities across the world even in a global low interest rate environment. Thanks to the strong rental demand as part of the growing housing demand in Hong Kong over the years, Hong Kong is one of the unique examples.