On Fri, 30 Jan, the Hong Kong Monetary Authority released the residential mortgage survey results for December 2025, showing a decrease in mortgage applications and an increase in mortgage loans approved and outstanding value of mortgage 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 January 30, the Hong Kong Monetary Authority ("HKMA") released the residential mortgage survey results for December 2025.
The number of mortgage applications in December 2025 decreased by 5.1% month-over-month to 7,612.
Mortgage loans approved in December increased by 7.1% compared to November, totaling HK$31.2 billion. Of these, primary market transactions increased by 8.2% to HK$11.7 billion, while secondary market transactions rose by 7.6% to HK$16.8 billion. Refinancing loans decreased by 0.6% to HK$2.7 billion.
Mortgage loans drawn down during December 2025 increased by 1.7% compared to November, amounting to HK$20 billion.
The ratio of new mortgage loans priced with reference to HIBOR decreased from 90.7% in November to 89.8% in December, while the ratio of loans priced with reference to best lending rates increased from 1.1% to 1.3%.
The outstanding value of mortgage loans increased by 0.2% month-over-month to HK$1,917.5 billion by the end of December 2025.
The mortgage delinquency ratio remained low at 0.14%, and the rescheduled loan ratio remained unchanged at nearly 0%.
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