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"First, I had to obtain a tax certificate from the tax department and submit it and other financial statements to the bank for approval. The process took more than one month, but now I can borrow money in minutes by phone after registration," Cheng said.

"For the time being, the overall office rents in Hong Kong remain relatively firm as fundamentals remain generally sound. If the current conditions persist next year, however, rents will see much heavier declines," Smith warned.

"First and foremost, Lam, with the support of Beijing, must break the stranglehold of local property tycoons on the real estate market and curb their political influence by greatly increasing land supply for development and providing more affordable housing for low-income families," Wang wrote.

"For smartphone users, it helps them kill spare time," he added.

"Harming others must attract blame and punishment, but the punishment, no matter if it be detention, a fine or more severe penalty, may not rid perpetrators of their habit, as many don't know the original source of the violence and how to solve family disputes sensibly."