As a Tai Po local who was born, raised, and lived for three decades in Wang Fuk Court, I share the same profound grief felt by all affected residents. This cherished land has nurtured the memories of generations of Wang Fuk Court residents, and has been the backbone supporting me from student days to professional practice. Now, there is no hesitation but to use legal knowledge and service to give back to this community.
Two months after the disaster, while the immediate short-term situation has somewhat stabilized, residents are acutely aware that public attention will inevitably fade. The medium- and long-term challenges ahead remain daunting. Therefore, this article consolidates the short-, medium-, and long-term legal needs of the residents for various stakeholders, ensuring they will not walk this legal path alone. Additionally, this article summarizes the legal concerns and developments observed over the past two months, using history as a guide.
Public Concern After the Disaster: The Legal Community's Rapid Response
November 26, 2025 remains fresh in memory when friends and family were frantic upon hearing news of the fire. As part of those affected, aside from briefly checking in, we faced too many unknowns to process. Neighbors were scattered, each searching for new temporary housing, yet grief remained unhealed, and problems unresolved.
After settling somewhat, residents began considering various legal practicalities, thanks in large part to the legal community's swift response. On November 27, the Law Society of Hong Kong established a legal consultation hotline and recruited volunteers. Starting December 4, the Law Society coordinated lawyers, including myself, to attend transitional housing sites to provide on-site legal consultations for temporarily relocated residents.
On the public front, the police arrested over 10 individuals on suspicion of manslaughter. The ICAC made arrests related to corruption involving construction works and detained both the current and former chairpersons of the Owners' Incorporation. On December 12, the Government established an independent committee to review the incident and prevent future disasters.
On January 6, the Lands Tribunal heard the government's application to invoke Section 31 of the Building Management Ordinance (Chapter 344 of the Laws of Hong Kong) to dissolve the Owners’ Committee of Wang Fuk Court and appoint Hop On Management Company Limited as the manager.
Regarding the legal system, the Hong Kong Bar Association took the lead by forming a task force to study relevant ordinances. On January 15, the Home and Youth Affairs Bureau proposed amendments to the Building Management Ordinance, including raising the threshold for physical attendance and voting on major maintenance projects and large procurement decisions, capping the number of proxy documents, and improving declarations of interest. The public consensus is clear: even one disaster is one too many, and the system must be optimized to eliminate hidden risks.
Integrating Short-, Medium-, and Long-Term Legal Needs
It is understandable that public attention has shifted from disaster relief to systemic improvements. However, the legal needs of the affected residents themselves are ongoing and complex.
In legal consultations, victims questioned about insurance claims, property ownership, inheritance matters, civil compensation, tenancy issues, and building management. These issues are interconnected and fraught with significant uncertainty. What lawyers can offer, beyond listening, offering condolences, and providing comfort, is to work together with the victims to anticipate potential future needs and provide corresponding legal principles and guidance applicable.
Short-Term Legal Needs
Identification of Deceased Individuals: One of the most heart-wrenching scenes following the disaster was the inability of affected residents to locate and identify the remains of their loved ones, even after learning of their passing. This prevented the Deaths Registries from issuing death certificates directly, yet death certificates are indispensable for general estate administration. Inquiries have been received from families needing to apply to the Coroner’s Court for a “Certificate of the Fact of Death” under Section 41 of the Coroners Ordinance (Chapter 504 of the Laws of Hong Kong) to support their application for estate administration. If forensic examination cannot be completed, a person with a proper interest must provide reasons to support the issuance of the certificate. On January 15, the Secretary for Security announced that the death toll had reached 168, as all bodies had finally been identified.
Immediate Insurance Claims: In response to the urgent needs of the affected residents, many insurance companies have expedited the approval process for home insurance or fire insurance claims. Some have even simplified the claim steps and disbursed funds directly. Approved disbursements typically require the policyholder to sign documents confirming the “full and final” settlement of claims against the insurance company regarding this incident. For caution, policyholders should review their policy coverage and consult their insurance brokers to confirm that there are no remaining claims under the policy (or to voluntarily waive them) before making an informed decision.
Tenancy Arrangements: Many affected residents were tenants. Some others were landlords renting out their units in Wang Fuk Court. They wondered whether their tenancy obligations are suspended or directly terminated, and how the tenancy deposits should be handled. Some leases include force majeure clauses specifying applicable situations and subsequent actions. A possible legal perspective suggests that, as affected residents cannot return to their units for the short to medium term, the principle of frustration of contract applies, and the lease should be directly terminated. However, the situation may differ for residents of unaffected buildings, such as those in Wang Chi House, and should be determined based on individual leases and actual circumstances.
Medium-Term Legal Needs
Estate Administration: On December 10, the Judiciary announced that it would prioritize estate administration and coroner’s proceedings related to Wang Fuk Court. However, given the overload of cases at the Probate Registry, it is anticipated that the approval process will still take months. Estate-related laws are particularly complex, and family members may not be familiar with the application documents and legal foundations. Furthermore, exercising its duty to protect estates, the Probate Registry may need to issue requisitions, requiring applicants to spend additional time in researching and responding. Once the Grant of Probate or Letters of Administration for a property-owning deceased is issued, rights over the property can be exercised in the capacity of the personal representatives, whereas Assents are required to vest the property to the beneficiaries.
Mortgage Arrangements: On November 29, the Hong Kong Housing Authority announced the relaxation of regulations regarding mortgage repayment periods and amounts under its Mortgage Loan Guarantee Deed. Subsequently, major mortgage banks offered a six-month suspension of repayments for mortgages and personal loans, along with a waiver of penalty interest. This means that by late May 2026, affected residents may need to face new mortgage arrangements. If issues such as enforcement actions, receivership, or mortgage modifications arise, residents will not only need to communicate directly with their banks but will also likely need to deal with legal documents.
Building Management: Residents have been discussing whether owners lose their “right to complain” after the Owners' Committee is taken over. In reality, the primary channels for owners to voice concerns have always been through voting at owners’ meetings and gathering a required number of signatures to demand meetings to be convened. These rights are not contingent upon the existence of the Management Committee. However, as the dissolution of a Management Committee is unprecedented in Hong Kong, such misunderstandings are quite understandable. These discussions highlight the importance of clarifying the legal relationship and division of responsibilities between the residents and Hop On Management Company Limited, the appointed manager.
Long-Term Legal Needs
Property Ownership: On January 10, the government distributed questionnaires to residents to gather opinions on long-term resettlement. From the residents’ perspective, this marks a turning point: transitioning from short-term post-disaster resettlement to medium- and long-term adaptation and final decision-making. Unless the original buildings are preserved, all resettlement options will inevitably involve transfers of property ownership. This may include the government purchasing ownership rights with cash, or exchanging unit ownership through a “flat-for-flat” arrangement. Conveyancing is one of the primary legal services required, and given that property values amount to millions, it is advisable to seek professional assistance to handle the process carefully.
Enduring Powers of Attorney (EPOA) for Elderly Residents: Many Wang Fuk Court property owners are in their seventies. The immense stress following the disaster has left many elderly residents in a significantly diminished state, raising concerns. However, whether signing documents with the government for property transfers, applying for public housing (e.g., Home Ownership Scheme or Green Form Subsidised Home Ownership Scheme), or voting at owners' meetings, the prerequisite is that the elderly individuals possess the mental capacity to act. Elderly residents may consider preparing an enduring power of attorney in advance, executed in the presence of a solicitor and a doctor. This would ensure that, in the event they lose mental capacity (e.g., due to dementia or cognitive decline), an authorized and trustworthy relative or person can manage their financial affairs, prioritize the use of their assets for their own benefit, and handle property ownership documents related to Wang Fuk Court.
Civil Claims: Some residents have inquired about pursuing civil claims. The limitation period for personal injury or death claims is three years from the date of the incident or the discovery of the injury or death, meaning the deadline would be November 2028. Regarding potential defendants, residents should monitor related criminal cases. A criminal conviction generally serves as conclusive evidence of civil liability, though establishing the causal link between the defendant’s actions and the residents’ losses remains necessary. However, civil litigation can be time-consuming, the calculation of compensation is complex and subject to variables, the defendant’s ability to pay compensation and legal costs may be uncertain, and insurance companies may be unwilling to initiate litigation on behalf of residents. All these factors must be weighed when residents decide whether to pursue legal actions.
Reflections on the Law in the Aftermath of the Disaster
The focus of this article is that the needs of disaster victims are not transient but ongoing. The trajectory of legal services should, therefore, evolve from handling immediate necessities into a long-term, reliable “companionship”.
The law has traditionally been perceived as noble and stable, yet it is also often viewed as relatively detached and rigid. In the aftermath of the Wang Fuk Court fire, the legal community broke away from this conventional image by promptly offering legal advice to victims on-site, demonstrating flexibility in their access.
Another traditional impression of the legal profession is its compartmentalization, with outsiders categorizing lawyers based on their specific fields of law. However, the legal concerns of disaster victims are often interconnected, requiring lawyers to possess the capability to provide advice across multiple legal domains simultaneously.
Like any client, disaster victims are not legal experts. Articulating their own needs clearly and systematically within a limited timeframe is undoubtedly challenging. For victims and other clients, it is crucial that lawyers can quickly sort through facts and applicable laws, then systematically summarize and present them.
Afterword
I still remember the day I accompanied my family to transitional housing to sign occupancy documents. While immensely grateful for the swift and generous support from all sectors, I was also at a loss for words that my family had, one day, become recipients of such services. Till now, like other affected residents, I still yearn to return to our old home every day, hoping to retrieve our precious, dust-covered photographs, and then properly express gratitude and bid farewell.
The beauty of Wang Fuk Court lies not only in its convenient location and pleasant scenery. For its residents, this home is proof of life’s simple, peaceful years: cycling west to Tai Po Market, south to Tolo Harbour, or north to Tai Mei Tuk in leisure time. Housewives tend their plots in designated gardens, sharing the harvest, tomatoes, water spinach, white radishes, all bearing the heartfelt flavor of homegrown produce. The outdoor playground in Wang Fuk Court carries memories of the past, and has even been filmed.
The tragic fire changed everything. Our homes were gone. Life looks really fragile. Yet, let’s not forget the memories and sense of purpose in mind, something we can forever hold onto.
Disclaimer : This material is provided for general information only. It does not constitute legal or other professional advice nor constitute any lawyer-client relationship between Sit, Fung, Kwong & Shum and any user or browser. No liabilities are assumed arising from any reliance of information in this material.
