经络：5月香港新取用按保宗数创8个月新高 平均贷款额月环比减近15%

Group 1 - In May, the number of new mortgage insurance plan loans in Hong Kong was 1,462, amounting to HKD 7.185 billion, a decrease of 28 loans (1.9%) from April, while the amount increased by HKD 0.57 billion (0.8%) [1] - The number of new mortgage insurance plan loans utilized in May was 612, totaling HKD 2.896 billion, an increase of 2 loans (0.3%) from April, but the amount decreased by HKD 4.82 billion (14.3%) [1] - The average new mortgage insurance loan amount was HKD 4.73 million, a significant decrease of HKD 810,000 (14.5%), marking a 65-month low [1] Group 2 - For the first five months of 2025, the number of new mortgage insurance loans was 6,910, amounting to HKD 34.671 billion, down 3,737 loans (35.1%) and HKD 20.359 billion (37%) compared to the same period last year, marking the lowest figures in nearly nine and six years respectively [1] - The number of new mortgage insurance loans utilized in the first five months of 2025 was 2,781, with a total of HKD 14.188 billion, also the lowest in nearly nine and six years respectively [1] Group 3 - The Chief Vice President of the mortgage referral company indicated that while lower interest rates benefit the Hong Kong property market, property prices are significantly lower than historical highs, leading to a decrease in buyers' mortgage ratios and loan amounts [2] - The relaxation of mortgage limits by the Hong Kong government last year allows buyers to apply for up to 70% mortgages without needing mortgage insurance, resulting in reduced demand for mortgage insurance [2] - Future growth in mortgage insurance numbers is expected to be limited due to the current market conditions and buyer behavior [2]