Young Hong Kong couples have been given another incentive to have children, with officials lowering the down payment required when buying a subsidised flat. The Housing Authority said on Friday that a committee had approved two enhanced measures for subsidised sale flats. Starting from the Home Ownership Scheme’s next sale exercise, the maximum mortgage loan-to-value ratio for parents with newborns or toddlers who rent private homes will be raised from 90 to 95 per cent, matching the ratio for...