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Hi lumyeung bro
Just discovered your blog very recently and found it very meaningful!  If I could have your knowledge before, I would not be that confused now.  Take it short, my question/scenario is below:
Married couple with 2 kids (3 and 1 years old)
Total monthly salaries of my wife and me: HK$95K
Cash: HK$900k
Investments (including stocks and funds): HK$1,200K – want to take it as educational funds for the kids
We sold our 2-room flat in 2009 when our first kid was born and rented a 3-room flat in Tsuen Wan.  We “planned” to rent for short term only and “waited” for the correction of the property market to buy a large 3-room flat.  The story after that is clear and proved to be a wrong investment decision.
Our monthly rental now is about HK$16K.  We want to buy a large 3-room for medium/long term, what is your suggestion to me?
Many thanks for your time and answer in advance!

雖然係2009年做錯決定沽左樓，但因家庭收入不俗，每月可達九萬五，固建議你買入三房減少租金。如認為現時收入在市況逆轉時仍可維持七成，可買入三房。七折後的人工為$95000*70%=66500。

為何有此建議? 因假設你購入荃灣區三房市值3.50mil至4.0mil樓宇，分廿五年供只需約$15000一個月。有人會同你講供平過租，叫你即刻買。諗樣認為唔應該只為供平過租而買樓，最緊要係自己可否輕鬆負擔。而係荃灣區供一間三房只佔你收入少於25%，萬一樓市大跌，你手上cash可作價差填補。另一方面市跌你仲有借貸能力再買一間。咁做可令兩間樓一高一低買，最尾都可以打和。亦有機會係旺市再次獲利(自住樓打平手而低位買既樓大賺，更詳細描述見「樓市投資必勝法」)

有讀者可能諗樣會建議「先買一半」或「租住先」，而你收入上稍高得出買入之建議，更準確說是你今日買左樓只係用左你借貸能力三成或更少。買入後務必謹慎理財，下一個樓市低潮再出山尋寶。

三至四百萬沒有大三房選擇，只有八百呎以下既海濱花園、麗城、樂悠居、愉景新城可入手，全部唔係市中心。

另外你既股票，建議把握呢一兩個星期既股市升浪好好部署。資金流入已持續兩個星期，派對應沒那麼快完。偏門股票好應賣出，就算換入現時七倍市盈率既內銀股都算唔錯選擇，整合股票現仍屬時機。美匯指數在80關爭持不定，如確認下穿80，個市仲有得行。