Core Insights - In September, the number of new mortgage insurance applications in Hong Kong increased by over 20% month-on-month, supported by demand from buyers of large new developments [1] - The Hong Kong government has relaxed mortgage limits, allowing buyers to apply for up to 70% mortgages without needing mortgage insurance, which has not yet significantly increased demand for mortgage insurance [1] - The total number of new mortgage insurance loans approved in September was 1,276, amounting to HKD 64.1 billion, representing a decrease of 5.5% in number and 6.3% in amount compared to August [1] Monthly Comparison - In September, the number of new mortgage insurance loans was 715, with a total amount of HKD 34.76 billion, marking increases of 22.4% in number and 25.3% in amount from August, reaching a 12-month high [1] - The average new mortgage insurance loan amount was HKD 4.86 million, up by HKD 110,000 (2.3%) month-on-month, also a 5-month high [1] - In the new mortgage insurance cases, first-hand properties accounted for 41%, while second-hand properties made up 59% [1] Year-to-Date Comparison - For the first nine months of 2025, the number of new mortgage insurance loans was 12,490, totaling HKD 623.37 billion, down 24.8% in number and 28.1% in amount compared to the same period last year, marking the lowest figures in nearly nine years for the number and six years for the amount [2] - The number of new mortgage insurance loans taken out in the first nine months was 5,411, with a total amount of HKD 267.47 billion, reflecting a decrease of 31.1% in number and 33.8% in amount from the previous year, also the lowest in nearly nine years for the number and six years for the amount [2]
经络：9月份香港新取用按保宗数增逾两成 料第四季按保数字将继续窄幅上落
Zhi Tong Cai Jing·2025-10-10 06:08