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Property Finance Column

Down-payment saving, mortgage leverage, property vs index investing — explained with data and real cases. Education only, not investment advice.

2–3 new articles a week

⚠︎ Education only · Not investment or insurance advice · No guaranteed returns · Official and licensed sources prevail

2026-10-19 · 7 min read
Stress test paused — why DSR still matters
HKMA suspended the +200bp mortgage rate stress test in Feb 2024, but banks still apply a 50% debt-servicing ratio cap (unified Oct 2024 with 70% LTV). Education on the public rules and a personal higher-rate check. Not mortgage advice.
Stress testDSRMortgageDebt-servicing ratioRisk education
By FinTech Invest (educational summary)
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2026-10-19 · 6 min read
How do you size an emergency reserve before buying?
Down payment saved and ready to buy? First ask whether three months without income would still cover the mortgage and living costs. Education on separating the reserve from the deposit.
Emergency reserveDown paymentMortgageCash flowRisk education
By FinTech Invest (educational summary)
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2026-10-18 · 7 min read
Down-payment discipline vs long-term ETFs: how to think about mortgage leverage
How much annual return turns $10k into $100k? We compare long-term index investing, regular contributions and mortgage leverage, then use a few blow-ups to explain risk. Education only — not investment advice.
Down paymentMortgage leverageETFRegular contributionsRisk education
By FinTech Invest (educational summary)
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Disclaimer

▸ General education and information only. Not investment, financial, mortgage, or property-purchase advice, and not an offer or solicitation.
▸ Rates, payments, DSR figures and borrowable amounts are public summaries or assumed examples. They do not fit everyone and guarantee no approval outcome or return. Follow the latest HKMA guidance and each authorised institution's underwriting.
▸ The author and platform accept no liability for loss arising from use of this information. Consult a licensed bank or professional before any financial decision.