Fu Sau Tai, Raymond v. Woo Kwong Po and Another
Read the full judgment text of DCCJ 5546/2020 on BabelCite. This District Court judgment was delivered on 30 October 2025.
1. On 29 May 2025 I gave judgment (“the Judgment”) in this case dismissing the 1 st Plaintiff’s claims for injunctive relief and damages for loss resulting from five incidents (“Incidents 1 to 5”) of water seepage from the Defendants’ property (“Flat 410”) to his property (“Flat 310”).
Cited by 3 cases · Cites 6 cases
|
DCCJ 5546/2020 [2025] HKDC 1844 IN THE DISTRICT COURT OF THE HONG KONG SPECIAL ADMINISTRATIVE REGION CIVIL ACTION NO 5546 OF 2020 --------------------------------------- BETWEEN
---------------------------------------
------------------- DECISION ------------------- Introduction 1.On 29 May 2025 I gave judgment (“the Judgment”) in this case dismissing the 1st Plaintiff’s claims for injunctive relief and damages for loss resulting from five incidents (“Incidents 1 to 5”) of water seepage from the Defendants’ property (“Flat 410”) to his property (“Flat 310”). 2.On 25 June 2025, the 1st Plaintiff took out a Summons applying for leave to appeal against the Judgment, setting out a number of intended grounds of appeal which I shall refer to in detail below. 3.The relevant background and facts pertaining to the case have already been set out in the Judgment and I shall not repeat the same here, save where it is necessary below. 4.To recapitulate, the dispute arose out of the five incidents referred to in paragraph 2 of the Judgment:
5.After considering the evidence adduced at the trial, including the testimony of the 1st Plaintiff’s wife, namely Ms Wu Xue Ping, the 1st and 2nd Defendants, as well as the evidence of the parties’ expert surveyors, namely Mr Chiu Chi Pun (“Mr Chiu”) on behalf of the 1st Plaintiff, and Dr Lam Siu Shu, Eddie (“Dr Lam”) on behalf of the Defendants, I accepted the Defendants’ case and dismissed 1st Plaintiff’s claim. Applicable principles on applications for leave to appeal 6.There is no dispute that leave to appeal shall not be granted unless the judge hearing the application for leave is satisfied that either (a) the appeal has a reasonable prospect of success, or (b) there is some other reason in the interests of justice why the appeal should be heard: section 63A(2) of the District Court Ordinance (Cap.336). 7.It is also well established that a “reasonable prospect of success” means there is an arguable case such that the chance of success is more than fanciful but not necessarily probable (see Wing Tat Haberdashery Company Limited v Elegance Development & Industrial Co Limited [2011] 5 HKC 474 at para.6). It is insufficient to show that the appeal was ‘merely arguable and’ not ‘fanciful’ for the court to be satisfied that it has a reasonable prospect of success (see Hong Kong Civil Procedure 2025 (Vol 1, Part A), para.59/2A/4). 8.In respect of appeals against findings of fact, the Court of Appeal in Bright Gold Ltd v Mega Well Development Ltd [2020] 4 HKLRD 26 at paras.46–48 stated that:
9.The Defendants have also referred to Ting Kwok Keung v Tam Dick Yuen (2002) 5 HKCFAR 336 at para.42 where the Court of Final Appeal stated:
10.In China Gold Finance Ltd as referred to in Bright Gold Ltd above, the court also said at paras.14-16 that the appellate process is not designed to give a litigant a platform for “regurgitating” his closing submissions on the evidence and factual aspects of the case again with the hope that the appellate judges may come to a different view, and focus should be on the question whether the primary judge has fallen in palpable errors which could give rise to grounds for intervention by the appellate court. The mere assertion that the finding of the judge is against the weight of the evidence or that the judge should have reached another conclusion because of points advanced in the closing submissions below are not errors coming within that category. The intended grounds of appeal Ground 1 (Incidents 1-2) 11.As set out in paras.59 to 74 of the Judgment, it is the Defendants’ case, which I accepted, that the 1st Plaintiff’s claim was included in the settlement negotiated and conducted by the loss adjuster engaged by the 1st Plaintiff’s insurer. Under this proposed ground of appeal, the 1st Plaintiff however says that I have misinterpreted the context, contents and scope of the settlement which related only to the 1st Plaintiff’s insured loss. 12.In terms of the law, there has never been any dispute that “an insurer is only subrogated to rights which diminish the loss which he has paid” (i.e. insured loss), and that even if an insured has been paid out under the policy, he may continue proceedings to gain compensation for his uninsured loss (see MacGillivray on Insurance Law (15th Edition) at paras. 22-038 & 22-042). 13.In support of his contentions, the 1st Plaintiff firstly pointed out that according to an email dated 6 July 2018 from United Adjusters (HK) Ltd (“UA”), the loss adjuster of the 1st Plaintiff’s insurer, Bank of China Group Insurance Company Limited; (“BOC”) to the Defendants’ insurer, AIA Company Limited (“AIA”), UA was instructed by BOC to accept the Defendants’ settlement offer of HK$18,100, and requested a cheque to be issued to BOC be sent to UA by 20 July 2018. 14.As set out in para.63 of the Judgment, by a letter dated 22 July 2020 from UA to the 1st Plaintiff, it was reiterated by UA that they were pursuing a claim against the Defendants for Incidents 1 and 2, and that they accepted the Defendants’ offer to settle for HK$18,100. On 6 August 2024, UA informed the Defendants’ solicitors that their principal already reimbursed the loss to the Plaintiff, and they have obtained the consent from the Plaintiff to pursue a recovery for the insured loss. 15.As set out by the 1st Plaintiff in his submissions, UA subsequently informed the Defendants’ solicitors by a letter dated 6 August 2024 that “[w]e advise that our claim amount of HK$18,100 includes the insured loss of HK$16,290 and the uninsured loss of HKS1,810. Our Principal have reimbursed the loss in the amount of HK$16,290 to the Insured, Mr Fu Sau Tai Raymond, in this case and they have obtained the consent from Mr Fu to pursue a recovery for the insured loss. We attached a copy of Mr Fu’s signed Form of Acceptance and Letter of Subrogation/Authorisation for [y]our consideration”. 16.It is further pointed out by the 1st Plaintiff that the letter from UA to the Defendants’ solicitors dated 6 August 2024 also stated:
17.The 1st Plaintiff further pointed out that according to the Discharge Form signed by BOC on 20 September 2024, the terms of settlement were varied to the effect that upon the 1st Plaintiff signing the said Form of Acceptance and the Letter of Subrogation/Authorisation, and receiving from BOC HK$16,290 in full and final satisfaction and discharge of all claims under Policy Number HCD/15-01451416R005 held with BOC in respect of loss or damage (i.e. the insured loss), and upon BOC receiving from the Defendants HK$16,290, BOC accepted the sum in full and final settlement of all claims against the Defendants and their insurers for loss and damages, and they agreed that the parties concerned shall be absolutely and finally exonerated and discharged from all claims whatsoever by them arising from Incidents 1 and 2. 18.The 1st Plaintiff submits that from the proper construction of the above documents, the settlement reached only concerned his insured loss (i.e. HK$16,290) between BOC and the Defendants. By the said Form of Acceptance and Letter of Subrogation/Authorisation, there was only subrogation of the 1st Plaintiff’s right for the insured loss to BOC. The settlement did not concern his uninsured loss. In other words, there was only a Discharge Form of insured loss signed by BOC. 19.Relying on the above evidence, the 1st Plaintiff says that in accepting the Defendants’ case that his claim was settled, I have failed to apply the said legal principles and failed to properly consider and interpret the said factual evidence in the context which shows that only the 1st Plaintiff’s insured loss was settled. 20.However, the matter did not end at the signing of the Form of Acceptance and Letter of Subrogation/Authorisation mentioned above whereby a settlement was reached between the parties on the insured loss of HK$16,290. In fact, in their letter dated 6 August 2024, UA did refer to the amount of HK$1,810 being the amount of uninsured loss. Obviously this was amongst the correspondence I have considered before making my ruling. As pointed out by the Defendants in their submissions, there are no contemporaneous documents to show that the 1st Plaintiff has disagreed HK$1,810 to be the amount of uninsured loss, which the Defendants have already pointed out they were willing to pay. Further, contrary to what the 1st Plaintiff has sought to argue, in my view, the fact that when the 1st Plaintiff commenced proceedings in the Small Claims Tribunal, he also only claimed the amount of HK$1,810 being the policy excess, which goes to support the contention by the Defendants that there was no suggestion that the uninsured loss was anything other than HK$1,810. 21.As further pointed out in the Defendants’ submissions, the 1st Plaintiff has accepted the assessment by UA that the total loss arising from Incidents 1 and 2 was HK$33,100. It was understood at that stage that the insurer on behalf of the building would pay the 1st Plaintiff HK$15,000 whilst his insurer would pay him HK$18,100 including the policy excess of HK$1,810 which the 1st Plaintiff needed to contribute to himself. This also shows that the uninsured loss of HK$1,810 was calculated after the 1st Plaintiff had agreed that the total loss arising from the two incidents was HK$33,100. Therefore, the uninsured loss would only have been HK$1,810, which the Defendants have indicated their agreement to pay. 22.On the basis of the above, I do not accept that there is any reasonable prospect of success in the intended Ground 1. Ground 2 (Incident 3) 23.By the intended Ground 2, the 1st Plaintiff contends that I have erred in law in failing to consider or give any or any proper weight to the objective, material and probative evidence of the investigation and findings of the management office (“MO”) of the subject building, which was properly relied on by Mr Chiu, the 1st Plaintiff’s expert. 24.The 1st Plaintiff refers to the letter from the MO to the 1st Plaintiff dated 2 December 2016 which stated:
25.The 1st Plaintiff says the above was further supported by a letter from the MO to him dated 19 March 2022. The above was subsequently relied upon by Mr Chiu in the Joint Expert Report dated 23 August 2022 (“the JER”). 26.Further, the 1st Plaintiff points out that in the letter from UA to him dated 22 July 2020, UA considered that Incident 3 was caused a by defective common drainage pipe without providing any basis for their view. 27.Contrary to that, the 1st Plaintiff says that according to the letter dated 19 March 2022 from the MO to the 1st Plaintiff, the MO had in fact denied that the water leakage was due to a defective common drainage pipe of the building, as the MO had cut the water supply to Flat 410 on 25 October 2016 and then found that there had been an improvement of the situation at Flat 310. This, according to the MO, showed that the water leakage problem had originated from the drainage problem at Flat 410. 28.The 1st Plaintiff further refers to a letter from the MO to the 1st Plaintiff dated 29 March 2019, in which it was stated that the MO had on 2 December 2016 replaced the common drainage pipe inside the kitchen of Flat 410. Despite that, the seepage had continued. According to a letter from the Joint Office of the Buildings Department and the Food and Environmental Hygiene Department (“JO”) to the 1st Plaintiff dated 5 May 2021, the JO officer had inspected the 1st Plaintiff’s premises on 13 December 2016 and “confirmed water seepage at the ceiling of kitchen”. 29.The 1st Plaintiff submits that contrary to my findings at para.77 of the Judgment, the MO had indeed expressly identified the pipe of Flat 410, and ruled out the common pipe as the source of the water seepage. As such, it is said that I have failed to correctly consider and accept the said factual context, including the objective, contemporaneous and probative evidence of the investigation and findings of the MO that the water seepage was caused by the pipe of Flat 410, and not any common pipe. 30.The 1st Plaintiff therefore says I have “ignored the MO’s investigations and findings but instead accepted UA’s unsupported assertion that the seepage came from a common pipe”. As such, I have wrongly excluded the Defendants’ liability for Incident 3. 31.I do not think it is a fair and valid assertion by the 1st Plaintiff to simply say that I have “ignored the MO’s investigation and findings”. The findings of the MO and my assessment of the same, have in fact been set out in full in paras.75 to 78 of the Judgment. I do not see anything wrong with the court preferring the evidence or findings of UA, who would have no reason, as put by the Defendants in their submissions, “to mischaracterise” the cause of Incident 3. More importantly, whilst it is the 1st Plaintiff’s case that the source of water leakage was the U-shape water trap, this was not identified by the MO at the time. As it is stated in para.77 of the Judgment:
32.There is nothing wrong for the court to prefer, after considering evidence, the findings of UA over the unspecific finding of the MO, in particular in light of the lack of identification of the exact pipe that had the leakage problem. 33.I therefore do not think that there is any reasonable prospect of success of the intended Ground 2. Ground 3 (Incident 4) 34.By this intended ground of appeal, the 1st Plaintiff argues that I have erred in law in rejecting, without any proper or sufficient reasoning, the evidence and findings of the JO and its contractor, Modern Testing Consultants Limited (“MT”) and the positive results in an Inspection Report by MT dated 8 February 2019 (“the MT 2019 Report”) in favour of the 1st Plaintiff’s claim. 35.The relevant paragraphs in the Judgment concerning this part of the 1st Plaintiff’s complaint are paras.79 to 94. 36.The 1st Plaintiff seeks to point out in his submissions that according to the MT 2019 Report:
37.The 1st Plaintiff further points out that consequently, according to a letter from the JO to the 1st Plaintiff dated 25 February 2019, the test results showed that there was water leakage from the upper flat that resulted from defective waterproofing facilities. According to a Nuisance Notice dated 5 March 2019 issued by the JO to the 1st Defendant:
38.The 1st Plaintiff also points out that according to the JER, Mr Chiu opined that based on the test conducted by the JO and its finding, the source of the water seepage was said to be Flat 410, whereas Dr Lam merely opined “quite irrelevantly” that there was no evidence to support the alleged emergency repair by the 1st Plaintiff in November 2018 and from July to August 2019. The 1st Plaintiff also refers to a letter from the JO to the 1st Defendant dated 8 August 2019, where it was said that on 25 July 2019, upon inspection the JO found that the bathroom facilities at Flat 410 had been completely removed. According to a further letter from the JO to the 1st Defendant dated 3 September 2019, on 22 August 2019, the JO found that the water seepage at Flat 310 had stopped when there were signs of repairment of the shower floor slab inside the bathroom at Flat 410. 39.Based on the above evidence, the 1st Plaintiff submits that my reasoning as set out in paras.92 to 94 of the Judgment for rejecting his case that the water seepage was caused by bathroom waterproofing facilities at Flat 410 was contradicted by such evidence, and was not even supported by Dr Lam’s expert evidence which only related to sufficiency of the repairs done. It is said my reasoning was contradicted by:
40.It is also submitted by the 1st Plaintiff that the said reasoning was tainted by irrelevant considerations concerning the subsequent investigation and test results in relation to Incident 5. 41.Considering the above submissions of the 1st Plaintiff, I do not think this intended ground is valid either. It is only a matter of common sense that the ponding tests did not reflect actual or normal usage of the bathroom and it is open to this court to allude to this reasoning. I also do not consider that this is inconsistent, as suggested by the 1st Plaintiff, with my observations made about the ponding tests in para.100 of the Judgment, which, like here, was dealing with the overall assessment of the evidence. It should be noted that in that paragraph I have also repeated my observation that the ponding tests did not reflect actual or normal usage. Whilst ponding tests may be recognised by the experts, it is for the court to eventually make findings of fact with reference to such evidence. 42.I also do not think there is anything problematic, as the 1st Plaintiff has sought to put it, about the court’s reliance on evidence of the results of investigations carried out between January and May 2020, which was also relevant to Incident 5. There is no strict requirement that the evidence, which is in a flow following a natural timeline, should be cut out and put into separate straight-jackets and considered irrelevant as between each one as is apparently suggested by the 1st Plaintiff in his submissions. For the sake of clarity, it is important to note what has been set out in paras.92-94 of the Judgment:
43.As the Defendants have submitted, the 1st Plaintiff has failed to address the points raised in para.93 of the Judgment concerning the fact that despite the renovations carried out by the Defendants to the satisfaction of the JO, the 1st Plaintiff had still complained of water leakage in December 2020 and January 2021. This, as I have put it, shows it was highly questionable whether the problem did in fact originate from Flat 410. There is nothing unreasonable for the court to consider this as a matter of common sense in an overall assessment of the evidence. 44.I therefore do not find anything in this intended ground of appeal that should entitle the 1st Plaintiff to leave to appeal. Ground 4 (Incident 4) 45.By this further or alternative proposed ground, the 1st Plaintiff seeks to contend that even if I am correct in considering subsequent investigation and test results in relation to Incident 5 as aforesaid, I have nevertheless failed to note that Flat 410 was not inhabited during the period from 16 April 2019 to 20 July 2020. The 1st Plaintiff says I have erred in failing to consider the Defendants’ own evidence that their tenant had vacated Flat 410 during the said period and the flat was not inhabited. In the premises, this in fact indicated that while Flat 410 was not inhabited, the seepage had stopped, and this in fact goes to support the 1st Plaintiff’s case instead. 46.Firstly, it is obvious that the court has noted in para.93 of the Judgment that the Defendants had demolished and reconstructed the bathroom after the tenant had moved out. Further, with respect, the 1st Plaintiff has missed the point here, which is that the various subsequent tests and investigations mentioned in para.93 of the Judgment showed that despite the renovation and repairs carried out by the Defendants to the satisfaction of the JO, and despite there had been stoppage of the seepage for some time afterwards, the 1st Plaintiff still complained of water seepage subsequently in December 2020 and also in January 2021. As I have mentioned, this raised the question whether the problem had indeed originated from Flat 410. I do not see anything obviously wrong or palpable in such assessment of the evidence. 47.I therefore do not find that there is any reasonable prospect of success of this proposed ground of appeal either. Ground 5 (Incident 5) 48.By this proposed ground, the 1st Plaintiff complains that I have erred in law in accepting the illogical and speculative evidence of Dr Lam relating to his explanation vitiating the positive results of an objective ponding test conducted by MT from the end of December 2021 to January 2022 as contained in a Test Report by MT dated 22 January 2022 (“the MT 2022 Report”), which were in favour of the 1st Plaintiff. 49.The relevant paragraphs of the Judgment concerned with this complaint are at paras.95 to 110. 50.The 1st Plaintiff points out that according to the JER, in respect of the ponding test, Mr Chiu and Dr Lam agreed that on 31 December 2021, Sulforhodamine B (“SRB”) was observed at the ceiling of the bathroom of Flat 310, and on 21 January 2022, the dyed area increased. Dr Lam and Mr Chiu had given different opinions as set out in the 1st Plaintiff’s submissions as follows:
51.Based on the above evidence, the 1st Plaintiff says that the basis of the court for accepting Dr Lam’s evidence is that while Dr Lam might not have got the timing exact or correct, he did state in the JER that the dyed area was observed about 5 minutes after commencement of the test, which was supported by a photograph taken at 1245 hours (see para.103 of the Judgment. 52.It is then pointed out that I have erred in finding for the bare assertions of Dr Lam as to timing when there is no corroborative objective evidence. It is also said that Dr Lam's evidence of alleged route of escaping of the dyed water is even more inherently incredible and absurd. 53.As such, the 1st Plaintiff argues that I have wrongly rejected the positive results of the ponding test carried out by MT, an impartial third party who carried out the works in the presence of and under supervision of both experts, but instead I have wrongly “accepted the zigzag waterflow hypothesis raised by [Dr] Lam without any evidential basis”. 54.With respect, I do not think that this proposed ground should take off the ground, as it challenges my acceptance of the credibility of the evidence of Dr Lam at large. This ground is concerned with my findings of fact which have not been shown to have been utterly unreasonable or constitute palpable errors. The basis of my acceptance of the evidence of Dr Lam (instead of that of Mr Chiu) has been set out fully in paras.100 to 110 of the Judgment and I shall not repeat the same here, save to say that the 1st Plaintiff’s renewed attempt to attack the credibility of the evidence of Dr Lam does not assist him positively in this application for leave to appeal. 55.For example, the challenge of Dr Lam’s assertion about the timing of the appearance of the dyed spot as shown in spot “A” as shown in a photograph said to be taken at 12:45 pm after the ponding test is an attempt to re-argue the point about his credibility, which has already been fully dealt with at the trial. 56.Further, as for the route of escape of the dyed water as relied upon by Dr Lam, this again is a factual finding based on his evidence. On the contrary, the 1st Plaintiff’s attempt to challenge this finding by arguing that the dyed water on the corridor of Flat 410 should have seeped directly and vertically into Flat 310 instead of ending up in the ceiling of the bathroom of Flat 310 is in itself absurd, as the Defendants have submitted. On the contrary, the path of the water that had escaped as suggested by Dr Lam was supported by the microwave test as described in para.104 of the Judgment. 57.Based on the applicable principles, this proposed ground of appeal, which is largely and in substance a re-run of the arguments on credibility, is not a permissible ground. Ground 6 (Incident 5) 58.The 1st Plaintiff seeks to argue under this ground that I have erred in law in failing to consider the test results in the MT 2019 Report and an Inspection Report by another contractor of the JO, Prudential Surveyors International Limited (“PS”) dated 4 October 2021, and the persistence of water seepage despite repeated repairs of the external wall in 2020 and 2021. The 1st Plaintiff submits that all such evidence rules out the external wall as the source of water seepage. 59.The criticism is directed against my discussion and assessment of the evidence in paras.95 to 109 of the Judgment. 60.Firstly, the 1st Plaintiff seeks to point out that according to the MT 2019 Report, MT opined that rain water leakage from the externa wall was unlikely, as there was no significant moisture content difference during prolonged sunny days and prolonged rainy days from July 2018 to January 2019. 61.The 1st Plaintiff then went on to point out that despite repairs of the external wall outside Flat 310 were carried out in August 2020 by the MO, there had been consistent water leakage problem inside Flat 310 nevertheless. 62.The 1st Plaintiff also referred to the Inspection Report by PS dated 4 October 2021, where PS opined that rain water leakage or infiltration from the external wall was unlikely, as there was no significant moisture content difference found between June to August 2021 between prolonged sunny days and prolonged rainy days. 63.The 1st Plaintiff then proceeded to argue that despite the further repair of the external wall outside the guest bedroom of Flat 310 which was completed in September 2021, there had been persistence of water seepage at Flat 310 in 2021. 64.Based on the above, the 1st Plaintiff submits that my consideration of the “distant events and context in 2023 about the repair of the external wall and the absence of water seepage complaint, without considering the much more pertinent context and events immediately before and after the time of Incident 5” was improper. In other words, it is said that had I properly considered the above factual events relating to Incident 5, I would have come to an opposite conclusion. 65.However, as the Defendants have pointed out, the 1st Plaintiff has ignored the fact that in the previous investigations, no spraying test had been conducted on the external walls, whereas in the SJER, it was shown that water spraying tests had been done on the external walls, the results of which showed that there was ingress of water from the external walls. This takes away the force of the 1st Defendant’s argument as there is nothing in the previous tests that had positively identified the external walls as the source of water seepage, and as the Defendants have submitted, there was no evidence of the quality and effectiveness of the repairs that were previously carried out. One simply cannot rule out the possibility that the previous repairs had not been totally effective. 66.Lastly, I also agree with the Defendants that they are not obliged to prove that the external walls were the actual source of the water leakage, whereas the burden has always been on the 1st Plaintiff to prove, on the balance of probabilities, that the seepage had originated from Flat 410. Nevertheless, for the reasons stated above, I do not think there is anything palpably wrong about my assessment of the evidence as set out in paras.95 to 109 of the Judgment. 67.I am therefore of the view that this proposed ground of appeal has no reasonable prospect of success. Conclusion 68.For the above reasons, I do not find that the 1st Plaintiff has put forward any proposed ground of appeal with a reasonable prospect of success, nor do I find any other reason in the interest of justice why leave to appeal should be granted. I therefore dismiss the 1st Plaintiff’s Summons dated 25 June 2025, with costs to the Defendants, with Certificate for Counsel, to be summarily assessed. 69.For the summary assessment of the costs of this application, I direct that:
Mr Erik Shum and Mr Stephen Keung, instructed by King & Co, for the 1st Plaintiff Mr Patrick Siu, instructed by Boase, Cohen & Collins, for the 1st & 2nd Defendants | |||||||||||||||||||||||||||
Cases cited in this judgment
Other judgments that cite this case
Further hearings and rulings under DCCJ 5546/2020