In 2015 the Hong Kong Monetary Authority announced that properties priced at HK$7 million or less required a 40 per cent down payment, up from 30 per cent – another attempt to cool the market.

What is the cost to you (monetary, mental, emotional, time/freedom, etc) of waiting and staying where you are? 

I told them I had a few questions and sent them to the lender in an email, but their reply back they basically just told me to fill out forms for pre-qualification and that they could talk about rates afterwards.Why would I want to take the time and potential monetary investment (credit check) to do that if I don't even know if I like their rates?

The only monetary fields to input are:Offer amountClosing costs desired if any(Owner occupant only)Selling Broker commission(up to 3%) 

I’d guess a system for an 8-unit property would be quite a bit more.It might also be wise to include some dos and don’ts in the leases, and not just as suggestions, perhaps with monetary charges for violating them (if allowed).

I would just wait to show it the unseen long term damage she could do to your apt would far exceed the monetary loss of a months rent In addition to that I would not be surprised if she found an Atty who would take her case pro Bono to sue you for damages as well as finding a reporter to make you out to be a heartless scumlord who kicked out a single mother during COVID 

Learn everything you can about the deal, give monetary amounts, and back projections with real life examples. 

No way to put monetary value on that.  

One, someone else to go after to cover your monetary losses.  

To allow her to work on things that full fill her regardless of the monetary value.