中原王美凤：7月香港新批按揭保险宗数回升7.7% 创一年新高

Core Viewpoint - The Hong Kong mortgage market is showing signs of recovery, with an increase in new mortgage insurance applications and amounts, reflecting a rebound in the property market since May 2023 [1] Group 1: Mortgage Insurance Data - In July 2025, the number of new mortgage insurance applications increased by 7.7% month-on-month to 1,532 cases, marking a one-year high [1] - The total amount of new mortgage insurance also rose by 9.2% month-on-month to 7.5 billion HKD, reaching an 11-month high [1] - Conversely, the number of new mortgage insurance utilizations decreased by 10.4% month-on-month to 629 cases, with the amount dropping by 7% to 3 billion HKD, reflecting a lag in the market's response to previous downturns [1] Group 2: Average Mortgage Amount and Market Factors - The average mortgage amount for new applications slightly decreased from 4.66 million HKD in June to 4.60 million HKD in July, attributed to a policy that exempted stamp duty for properties below 4 million HKD, leading to a higher proportion of lower-priced properties in the market [1] - Positive factors for the Hong Kong property market have emerged since the second quarter of this year, including a decline in interest rates and an increase in rental prices, which have eased the financial burden of homeownership [1] - The improved economic growth and rising market confidence are expected to sustain the momentum in the property market, supporting future mortgage and insurance figures [1]