香港金管局：2025年12月新批出的按揭贷款额环比增加7.1%至312亿港元

Core Insights - The Hong Kong Monetary Authority reported a 5.1% month-on-month decrease in new mortgage applications in December, totaling 7,612 cases [1] - New mortgage loans approved in December increased by 7.1% from November, amounting to HKD 31.2 billion [1] - The amount of new mortgage loans for first-hand market transactions rose by 8.2% to HKD 11.7 billion, while second-hand market loans increased by 7.6% to HKD 16.8 billion [1] - Loans related to refinancing transactions saw a slight decrease of 0.6%, totaling HKD 2.7 billion [1] Mortgage Utilization and Rates - The amount of new mortgage loans drawn in December rose by 1.7% from November, reaching HKD 20 billion [1] - The proportion of new mortgage loans priced based on the Hong Kong Interbank Offered Rate (HIBOR) decreased from 90.7% in November to 89.8% in December [1] - The share of new mortgage loans priced at the best lending rate increased from 1.1% in November to 1.3% in December [1] Outstanding Mortgage Loans - The total outstanding mortgage loans increased by 0.2% month-on-month, reaching HKD 1,917.5 billion [1] - The mortgage delinquency ratio remained low at 0.14%, with the restructured loan ratio close to 0% [1]