2026年1月份新取用按揭贷款额较2025年12月份增加8.6%，至217亿港元。 2月27日，香港金管局公布2026年1月份的住宅按揭统计调查结果。2026年1月份新申请贷款个案较2025 年12月份环比增加15.4%，至8785宗。 2026年1月份新批出的按揭贷款额较2025年12月份增加4.1%，至325亿港元。当中，涉及一手市场交易 所批出的贷款减少3.1%，至113亿港元；涉及二手市场交易所批出的贷款增加8.6%，至183亿港元。至 于涉及转按交易所批出的贷款，则增加7.1%，至29亿港元。 按揭贷款拖欠比率为0.13%，仍维持于低水平，经重组贷款比率维持于接近0%。 2026年1月份未偿还按揭贷款总额环比增加0.3%，至19234亿港元。 以香港银行同业拆息作为定价参考的新批按揭贷款所占比例，由2025年12月份的89.8%下降至2026年1 月份的89.5%。以最优惠贷款利率作为定价的新批按揭贷款所占比例，由2025年12月份的1.3%上升至 2026年1月份的1.5%。 ...

Core Insights - The Hong Kong Monetary Authority reported a 0.7% month-on-month decrease in new mortgage applications in October, totaling 8,255 cases [1] - The total amount of new mortgage loans approved in October was HKD 31.3 billion, remaining similar to September's figures [1] - The proportion of new mortgage loans priced based on the Hong Kong Interbank Offered Rate (HIBOR) decreased from 92.6% in September to 91.9% in October [1] Mortgage Application Trends - New mortgage loans for first-hand market transactions decreased by 2.1% to HKD 12.4 billion [1] - New mortgage loans for second-hand market transactions increased by 3.4% to HKD 16.0 billion [1] - New mortgage loans for refinancing transactions decreased by 8.4% to HKD 3.0 billion [1] Loan Utilization and Outstanding Loans - The amount of new mortgage loans drawn down in October decreased by 3.5% to HKD 20.1 billion [1] - The total outstanding mortgage loans increased by 0.8% month-on-month to HKD 1,907.4 billion [1] - The mortgage delinquency ratio remained low at 0.13%, with the restructured loan ratio close to 0% [1]

Core Insights - The Hong Kong Monetary Authority released the residential mortgage statistics for June 2025, indicating a month-on-month increase in new mortgage applications and approvals [1] Group 1: Mortgage Applications - New mortgage applications in June increased by 4.8% compared to May, reaching 8,581 cases [1] - The total amount of new mortgage loans approved in June rose by 3.3% from May, amounting to HKD 27.5 billion [1] Group 2: Market Segmentation - Loans related to primary market transactions increased by 4.2% to HKD 9.3 billion [1] - Loans related to secondary market transactions saw a 2.4% increase, totaling HKD 15 billion [1] - Loans for refinancing transactions increased by 5.2%, reaching HKD 3.2 billion [1] Group 3: Utilization and Pricing - The amount of new mortgage loans drawn down in June increased by 8.9% from May, totaling HKD 17.7 billion [1] - The proportion of new mortgage loans priced based on the Hong Kong Interbank Offered Rate (HIBOR) rose from 93.4% in May to 94.7% in June [1] - The proportion of new mortgage loans priced based on the best lending rate decreased from 1.9% in May to 1.7% in June [1] Group 4: Outstanding Loans and Delinquency - The total outstanding mortgage loans increased by 0.1% month-on-month, reaching HKD 1,885.6 billion [1] - The mortgage delinquency ratio remained low at 0.13%, with the restructured loan ratio close to 0% [1]