The residential mortgage survey for October 2025 showed a decrease in mortgage applications and mortgage loans drawn down, but an increase in outstanding value. The mortgage delinquency ratio remained low.
This article was generated using SAMS, an AI technology by Timothy Loh LLP.
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The Hong Kong Monetary Authority ("HKMA") released the October 2025 residential mortgage survey. Key findings indicate a 0.7% decrease in mortgage applications to 8,255 compared to September. Mortgage loans approved in October amounted to HK$31.3 billion, reflecting minimal variation from the previous month.
Breaking down the approved loans, financing of primary market transactions decreased by 2.1% to HK$12.4 billion, while loans financing secondary market transactions rose by 3.4% to HK$16 billion. Additionally, loans for refinancing dropped by 8.4% to HK$3 billion.
Mortgage drawdowns in October fell by 3.5% from September's figure to HK$20.1 billion. The proportion of new mortgage loans tied to HIBOR decreased from 92.6% in September to 91.9% in October, while the ratio of loans priced using best lending rates dipped from 1.5% to 1.3%.
By end-October, the outstanding value of mortgage loans rose by 0.8% to HK$1,907.4 billion. The mortgage delinquency ratio remained low at 0.13%, and the rescheduled loan ratio held steady at nearly 0%.
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