The residential mortgage survey for August 2025 showed a decrease in mortgage applications and approved loans, with an increase in drawn-down loans. The mortgage delinquency ratio remained low.
This article was generated using SAMS, an AI technology by Timothy Loh LLP.
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On August 30, 2025, the Hong Kong Monetary Authority released the residential mortgage survey results for August 2025.
The August 2025 mortgage application numbers declined by 6.7% from the previous month, resulting in a total of 8,405 applications.
Mortgage approvals in August decreased by 6.3% compared to July, reaching HK$28.7 billion. Among these, primary market transactions decreased by 0.7% to HK$10.7 billion, while secondary market transactions decreased by 11.9% to HK$14.6 billion. Refinancing mortgage loans increased by 4.1% to HK$3.3 billion.
The total value of mortgage loans drawn down in August increased by 4.5% from July, reaching HK$19 billion.
The percentage of new mortgage loans referenced to HIBOR decreased from 95.7% in July to 94.4% in August. Conversely, the percentage of new mortgage loans referenced to best lending rates increased from 1.2% in July to 1.3% in August.
The outstanding value of mortgage loans increased by 0.1% month-on-month to HK$1,888.3 billion by the end of August.
The delinquency ratio remained low at 0.13% and the rescheduled loan ratio remained unchanged at nearly 0%.
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