香港金管局：1月份新申请贷款个案环比增加15.4%至8785宗

Core Insights - The Hong Kong Monetary Authority reported a 15.4% month-on-month increase in new mortgage applications in January 2026, totaling 8,785 cases compared to December 2025 [1] - The total amount of new mortgage loans approved in January 2026 rose by 4.1% month-on-month to HKD 32.5 billion, with a decrease in loans for primary market transactions and an increase in loans for secondary market transactions [1] - The total outstanding mortgage loans increased by 0.3% month-on-month to HKD 1,923.4 billion, with a low mortgage delinquency ratio of 0.13% [1] Mortgage Application Statistics - New mortgage applications in January 2026 increased to 8,785 cases, a rise of 15.4% from December 2025 [1] - The amount of new mortgage loans approved was HKD 32.5 billion, reflecting a 4.1% increase from the previous month [1] - Loans for primary market transactions decreased by 3.1% to HKD 11.3 billion, while loans for secondary market transactions increased by 8.6% to HKD 18.3 billion [1] - Loans related to refinancing transactions increased by 7.1% to HKD 2.9 billion [1] Mortgage Loan Utilization - The amount of new mortgage loans drawn down in January 2026 was HKD 21.7 billion, representing an 8.6% increase from December 2025 [1] - The proportion of new mortgage loans priced based on the Hong Kong Interbank Offered Rate (HIBOR) decreased from 89.8% in December 2025 to 89.5% in January 2026 [1] - The proportion of new mortgage loans priced based on the best lending rate increased from 1.3% in December 2025 to 1.5% in January 2026 [1] Outstanding Mortgage Loans - The total outstanding mortgage loans as of January 2026 increased by 0.3% month-on-month to HKD 1,923.4 billion [1] - The mortgage delinquency ratio remained low at 0.13%, with the restructured loan ratio close to 0% [1]