BOC HONG KONG(HK:02388) Xin Lang Cai Jing·2026-01-02 11:15Group 1 - The core viewpoint indicates that the Hong Kong mortgage registration volume for existing properties is expected to reach 62,000 cases in 2025, representing a year-on-year increase of 29.3%, ending a three-year decline [1] - The mortgage registration volume for pre-sale properties is projected to be 6,502 cases, marking a five-year high with a year-on-year increase of 65.8% [1] - The recovery of the property market has led to an increase in the willingness of investors and buyers to enter the market, with a notable rise in the proportion of mainland and overseas buyers in 2025 [1] Group 2 - China Bank (Hong Kong) maintains a market share of 32.6%, ranking first in existing property mortgages for seven consecutive years and also leading in pre-sale property mortgages for the first time [1] - The current mortgage interest rate is stable at a neutral low level of 3.25%, combined with a zero-interest deposit environment, which is driving funds towards the property market with potential returns [1] - In December 2025, the existing property mortgage registration reached 4,893 cases, reflecting a month-on-month increase of 3.2%, with the market share of the top four banks rising to 71.5% [1] Group 3 - In terms of competition among banks, China Bank (Hong Kong) recorded an annual existing property mortgage registration volume of 20,200 cases, a year-on-year increase of 34% [1] - HSBC maintained its second position with 12,700 cases, while Standard Chartered Bank saw a significant increase of 2.8 times in registrations, rising to fourth place with 4,386 cases [1] - In the pre-sale mortgage market, China Bank (Hong Kong) regained the top position with 1,786 cases, while Hang Seng Bank entered the top three with 918 cases, reflecting a year-on-year increase of 1.8 times [1]