香港金管局：11月新取用按揭贷款额环比减少2.3%至197亿港元

Core Viewpoint - The Hong Kong Monetary Authority reported a decline in residential mortgage statistics for November 2025, indicating a slowdown in mortgage applications and approvals compared to October 2025 [1] Group 1: Mortgage Applications - New mortgage applications in November decreased by 2.9% month-on-month, totaling 8,019 cases [1] - The amount of new mortgage loans drawn in November fell by 2.3% from October, amounting to HKD 19 billion [1] Group 2: Mortgage Approvals - The total amount of new mortgage loans approved in November decreased by 7% compared to October, reaching HKD 29.1 billion [1] - Loans related to the primary market transactions dropped by 12.6% to HKD 10.8 billion, while loans for secondary market transactions decreased by 2.3% to HKD 15.6 billion [1] - Loans for refinancing transactions also saw a decline of 9.6%, totaling HKD 2.7 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 91.9% in October to 90.7% in November [1] - The share of new mortgage loans priced at the best lending rate decreased from 1.3% in October to 1.1% in November [1] Group 4: Outstanding Mortgage Loans - The total outstanding mortgage loans increased by 0.3% month-on-month, reaching HKD 1,913.5 billion [1] - The mortgage delinquency ratio remained low at 0.14%, with the restructured loan ratio close to 0% [1]