With a repayment period of 30 years, interest rate of 3.5% to calculate, before the relaxation of up to 50% of the property price can be borrowed, the first installment needs to pay $ 7.5 million, after the relaxation of the first installment of expenditure, a big reduction of $ 3 million to $ 4.5 million, but the price is the cost of the monthly repayment, a big increase of 40% to $ 47,150, the monthly income requirements also jumped to $ 94,300.

Increased leverage, buyers in addition to consider the repayment ability, before entering the market need to pay attention to the interest rate and the property market trend, the market generally expected that the U.S. Federal Reserve will raise interest rates twice this year, if the Bank of Hong Kong to follow the increase is expected to increase interest rates by 0.25% this year, in addition, although this year's first quarter of the property prices, because of the effect of the pass through the rebound of 7%, but the second quarter of the beginning of the uptrend has been halted, as of June this year, the price of real estate has been compared to the high level in 2021, the property prices have fallen back more than 1 percent. As of June this year, property prices have dropped by more than 10% from the high level in 2021. The Government's relaxation of mortgage at this time is attributable to the slump in the property market, which has affected the source of income.

As for the primary market as a whole, as there were no large-scale new flats for sale, there was no increase in the number of transactions over the past weekend due to the introduction of the new measures. In the past Saturday and Sunday only recorded about 16 transactions, according to the weekly drop of more than 90%, the transaction mainly from the balance of the new market, including Henderson's Henderson HENLEY PARK, sold 7 units has been the most, cashing out more than 56 million yuan, all of which is also a 1-room units, the price of the building between 7.67 million and 8.26 million yuan.

As for the second-hand market, the agent pointed out that although the Government relaxed the loan-to-value ratio, but the factor of interest rate hike still affects the buyers to enter the market, the second-hand transaction volume has not seen much improvement. According to the statistics of the four major agents, the transaction volume of the ten major housing estates in the past weekend, although all of them have increased, recorded 5 to 9 cases, but at the level of single-digit figures, many housing estates "zero transaction".