深圳福田的住宅區。相片iStock

窄窄的深圳河兩岸,深圳和香港這兩座城市的各方面常被放在一起比較。不過,房價的差距即使逐漸縮小,仍然相距甚遠。這就給了「大灣區居民」兩種選擇:香港的納米樓,還是深圳的「千呎豪宅」?

根據香港的房屋中介統計數據,香港目前住宅樓的平均呎價是1.28萬港元(1,632美元)左右,但是不同的地區之間差距甚大。因此「千呎」,即不到100平米的一套住房被稱作「豪宅」,聽起來有些諷刺,但是放到香港人均居住面積僅161平方呎的語境下去理解,加上總價已經是1,000多萬元,實際上非常合理。

單價過高也令港人更需要小戶型住宅,應運這種需求近年興起了不少「納米樓」。特區政府運輸及房屋局稱,在2014至2018年間,全港有約8萬伙私人住宅單位落成。當中實用面積少於20平方米的單位數目,2014年全港僅有64伙、2015年則有79伙,至2016年突然急升至206伙,至2017年全港更有多達691伙,主要分布在九龍城、元朗、深水埗等地區。不過,2018年該數目開始下跌,共有571伙落成。雖然納米樓存在難以轉手和不可長住的問題,依然因為更容易負擔得起的總價而頗受歡迎。

最近有一位香港網友,在網上發帖稱自己辛苦工作多年,終於存到100多萬元,雄心壯志去找地產中介,希望可以買到約600萬元的兩房單位,結果中介笑他只能買納米樓,令他感到被歧視。面對這樣的淒慘現實,有人提議「大西北幫到你」,即去新界西北買樓。

新界大西北其實已經十分靠近深圳,從香港的元朗到深圳的蛇口,開車只要不到半小時時間。而羅湖和皇崗,因為地理距離更近,近幾年的樓盤成交宗數中,都有2至3%來自香港買家。

港人林小姐現在和父母一起住在港島東區的一處高層住宅樓,在深圳南山一家港人創辦的科技公司工作,同事半數以上也是香港人,公司每天上下班時間都有跨境穿梭巴士接送他們往返兩地。林小姐早就有了在深圳置業的想法:「深圳有很多(每平方米)5萬、6萬元(人民幣)左右的房子,首期三成,買一套100平米左右的房子,比起和父母一起住,或者在香港買一套很小的房子要好很多。」

如果僅僅是想有瓦遮頭,而不考慮70年後的產權問題,一河之隔的深圳房價是有吸引力的。這卻是令林小姐和父母產生意見分歧的原因之一,「我家人看來,香港樓價裏包含了地價,在內地買房卻要考慮產權的問題,還有傳言將來會收房產稅。我覺得這都沒什麼所謂,誰知道70年後什麼樣?重要的是現在過得舒服。」另一個令人猶豫的關鍵點是租金回報率。香港的住宅樓租金回報率在2至3%之間,或者更高,但是深圳只有1.5%。

據地產行業人士稱,深圳是少數容許港人在沒有工作證明、社保下購買一個住宅單位的內地大城市,港人除了在內地只能擁有一套住房的硬門檻以外,其他條件幾乎和內地人購房是一樣的。還有港人嘗試在香港的銀行申請按揭貸款,以獲得更低的利率。

但是深圳樓市也有一樣的剛需,「納米樓」也一度在深圳蔚然成風。價格孰高孰低並不能直接成對進行比較,而無論在何處置業,都將有所取捨。

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