Most Hong Kong property developers come from affluent families with deep roots in the industry. Carol Chow grew up in public housing and started her business in 2012 renovating dilapidated old properties. Her company, Lofter Group, has since grown into an insurgent success in the city’s real estate market, focusing on redeveloping buildings and attracting money from third-party investors. The company has more than US$1 billion in projects under management.