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The home price index published by the Rating and Valuation department jumped 27 times between 1974 and 1997 ( Figure 1 ). Using the average price of a 55 m 2 flat in Kowloon and the median.
Average monthly salary is used to estimate family income. It assumes 100% mortgage is taken on 20 years for the house(or apt) of 90 square meters which price per square meter is the average of price in city center and outside of city center. Loan Affordability Index is an inverse of mortgage as percentage of income.