智通财经APP获悉，12月31日，香港金融管理局公布2025年11月份的住宅按揭统计调查结果。11月份新 申请贷款个案较十月份按月减少2.9%，至8019宗。11月份新取用按揭贷款额较十月份减少2.3%，至197 亿港元。 11月份新批出的按揭贷款额较十月份减少7%，至291亿港元。当中，涉及一手市场交易所批出的贷款减 少12.6%，至108亿港元;涉及二手市场交易所批出的贷款减少2.3%，至156亿港元。至于涉及转按交易所 批出的贷款，则减少9.6%，至27亿港元。 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，由十月份的91.9%下降至11月份的 90.7%。以最优惠贷款利率作为定价的新批按揭贷款所占比例，由十月份的1.3%下降至11月份的1.1%。 11月份未偿还按揭贷款总额按月增加0.3%，至19,135亿港元。按揭贷款拖欠比率为0.14%，仍维持于低 水平，经重组贷款比率维持于接近0%。 ...

Core Insights - In September, new mortgage loan applications in Hong Kong decreased by 1.1% month-on-month to 8,316 cases [1] - The amount of new mortgage loans approved increased by 9.4% month-on-month to HKD 31.4 billion [1] - The total outstanding mortgage loans rose by 0.2% month-on-month to HKD 1,891.4 billion [2] Group 1: Mortgage Applications - New mortgage loan applications decreased by 1.1% to 8,316 cases in September compared to August [1] - The amount of new mortgage loans approved for first-hand market transactions increased by 17.5% to HKD 12.6 billion [1] - The amount of new mortgage loans approved for second-hand market transactions increased by 6.1% to HKD 15.5 billion [1] Group 2: Mortgage Loan Amounts - New mortgage loan amounts drawn increased by 9.7% month-on-month to HKD 20.9 billion [1] - The proportion of new mortgage loans priced based on the Hong Kong Interbank Offered Rate (HIBOR) decreased from 94.4% in August to 92.6% in September [1] - The proportion of new mortgage loans priced based on the best lending rate increased from 1.3% in August to 1.5% in September [1] Group 3: Loan Performance - The mortgage loan delinquency ratio remained low at 0.13% [2] - The restructured loan ratio remained close to 0% [2]

Core Insights - The Hong Kong Monetary Authority released the residential mortgage statistics for August 2025, indicating a decrease in new loan applications and a mixed performance in mortgage loan amounts [1] Group 1: Loan Applications and Amounts - In August, there were 8,405 new loan applications, a decrease of 6.7% compared to July [1] - The amount of new mortgage loans drawn in August increased by 4.5% from July, reaching HKD 19 billion [1] - The total amount of new mortgage loans approved in August was HKD 28.7 billion, a decrease of 6.3% from July [1] Group 2: Market Segmentation - Loans related to the primary market transactions decreased by 0.7% to HKD 10.7 billion, while loans related to the secondary market transactions saw a larger decrease of 11.9% to HKD 14.6 billion [1] - Conversely, loans related to refinancing transactions increased by 4.1% to HKD 3.3 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 95.7% in July to 94.4% in August [1] - The share of new mortgage loans priced based on the best lending rate rose slightly from 1.2% in July to 1.3% in August [1] Group 4: Outstanding Loans and Delinquency Rates - The total outstanding mortgage loans increased by 0.1% month-on-month to HKD 1,888.3 billion [1] - The mortgage delinquency ratio remained low at 0.13%, with the restructured loan ratio close to 0% [1]