In the US the monthly mortgage payment consists of the bank payment for principal and interest, maintenance fee to the building association, property taxes to the government, and property insurance required by the bank. In Hong Kong I am able to figure out the payment to the bank for principal and interest. The maintenance fee I understand is between 1.5 to 5 HKD per square feet per month. For the property taxes and the property insurance, however, I have not been able to find any information. Is it because there is no property tax and no property insurance in Hong Kong?