The residential mortgage survey for July 2025 showed an increase in mortgage applications and loans approved, with a significant rise in loans for primary and secondary market transactions. The delinquency and rescheduled loan ratios remained low.
This article was generated using SAMS, an AI technology by Timothy Loh LLP.
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The Hong Kong Monetary Authority has released the residential mortgage survey results for July 2025. The total number of mortgage applications saw a month-on-month increase of 4.9%, reaching 9,005.
In July 2025, mortgage loan approvals rose by 11.2% over June, with the total approved loans amounting to HK$30.6 billion. Specifically, mortgage loans financing primary market transactions increased by 16.4% to HK$10.8 billion, while those financing secondary market transactions increased by 10.5% to HK$16.6 billion. The refinancing mortgage loans decreased slightly by 0.2% to HK$3.2 billion.
Mortgage loans drawn down during July 2025 surged by 3% compared to June, reaching HK$18.2 billion.
In July 2025, the ratio of new mortgage loans priced with reference to HIBOR increased from 94.7% in June to 95.7%. Conversely, the ratio of new mortgage loans priced with reference to best lending rates decreased from 1.7% in June to 1.2%.
The outstanding value of mortgage loans increased by 0.1% month-on-month to HK$1,887.3 billion by the end of July 2025.
The mortgage delinquency ratio remained at a low level of 0.13%, and the rescheduled loan ratio remained unchanged at nearly 0%.
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