香港金管局：8月住宅按揭贷款申请新增8405宗 较上月减少6.7%

Core Insights - The Hong Kong Monetary Authority released the residential mortgage statistics for August 2025, indicating a decrease in new loan applications and a mixed performance in mortgage loan amounts [1] Group 1: Loan Applications and Amounts - In August, there were 8,405 new loan applications, a decrease of 6.7% compared to July [1] - The amount of new mortgage loans drawn in August increased by 4.5% from July, reaching HKD 19 billion [1] - The total amount of new mortgage loans approved in August was HKD 28.7 billion, a decrease of 6.3% from July [1] Group 2: Market Segmentation - Loans related to the primary market transactions decreased by 0.7% to HKD 10.7 billion, while loans related to the secondary market transactions saw a larger decrease of 11.9% to HKD 14.6 billion [1] - Conversely, loans related to refinancing transactions increased by 4.1% to HKD 3.3 billion [1] Group 3: Interest Rate Trends - The proportion of new mortgage loans priced based on the Hong Kong Interbank Offered Rate (HIBOR) fell from 95.7% in July to 94.4% in August [1] - The share of new mortgage loans priced based on the best lending rate rose slightly from 1.2% in July to 1.3% in August [1] Group 4: Outstanding Loans and Delinquency Rates - The total outstanding mortgage loans increased by 0.1% month-on-month to HKD 1,888.3 billion [1] - The mortgage delinquency ratio remained low at 0.13%, with the restructured loan ratio close to 0% [1]