香港金管局：6月份香港新申请贷款个案环比增加4.8%至8581宗

Core Insights - The Hong Kong Monetary Authority released the residential mortgage statistics for June 2025, indicating a month-on-month increase in new mortgage applications and approvals [1] Group 1: Mortgage Applications - New mortgage applications in June increased by 4.8% compared to May, reaching 8,581 cases [1] - The total amount of new mortgage loans approved in June rose by 3.3% from May, amounting to HKD 27.5 billion [1] Group 2: Market Segmentation - Loans related to primary market transactions increased by 4.2% to HKD 9.3 billion [1] - Loans related to secondary market transactions saw a 2.4% increase, totaling HKD 15 billion [1] - Loans for refinancing transactions increased by 5.2%, reaching HKD 3.2 billion [1] Group 3: Utilization and Pricing - The amount of new mortgage loans drawn down in June increased by 8.9% from May, totaling HKD 17.7 billion [1] - The proportion of new mortgage loans priced based on the Hong Kong Interbank Offered Rate (HIBOR) rose from 93.4% in May to 94.7% in June [1] - The proportion of new mortgage loans priced based on the best lending rate decreased from 1.9% in May to 1.7% in June [1] Group 4: Outstanding Loans and Delinquency - The total outstanding mortgage loans increased by 0.1% month-on-month, reaching HKD 1,885.6 billion [1] - The mortgage delinquency ratio remained low at 0.13%, with the restructured loan ratio close to 0% [1]