首10个月新批出按保贷款宗数及金额为13,658宗及683.68亿港元，同比分别下跌4,332宗(24.1%)及256.39 亿港元(27.3%)，宗数创近9年首10个月新低，金额创近6年首10个月新低。 首10个月新取用按保贷款宗数及金额为6,034宗及298.53亿港元，同比分别减少2,301宗(27.6%)及129.83 亿港元(30.3%)，宗数创近9年首10个月新低，金额创近6年首10个月新低。 经络按揭转介首席副总裁曹德明表示，10月份缺乏大型新盘买家上会支撑，加上去年香港政府放宽按揭 成数，现时买家无需透过按保亦可申请高达七成按揭，按保需求暂时未见大升因素，料按保数字将继续 窄幅上落。 智通财经APP获悉，根据经络按揭转介研究部及香港按揭证券公司最新资料显示，10月香港新批出按揭 保险计划贷款宗数及金额为1,168宗及60.31亿港元，环比分别减少108宗(8.5%)及3.79亿港元(5.9%)，均 连跌3个月，宗数创13个月新低，金额创6年，即2019年10月"林郑plan"推出后的新低。 10月新取用按揭保险计划贷款宗数及金额为623宗及31.06亿港元，环比分别减少92宗(12.9%)及3 ...

Core Insights - In September, the number of new mortgage insurance applications in Hong Kong increased by over 20% month-on-month, supported by demand from buyers of large new developments [1] - The Hong Kong government has relaxed mortgage limits, allowing buyers to apply for up to 70% mortgages without needing mortgage insurance, which has not yet significantly increased demand for mortgage insurance [1] - The total number of new mortgage insurance loans approved in September was 1,276, amounting to HKD 64.1 billion, representing a decrease of 5.5% in number and 6.3% in amount compared to August [1] Monthly Comparison - In September, the number of new mortgage insurance loans was 715, with a total amount of HKD 34.76 billion, marking increases of 22.4% in number and 25.3% in amount from August, reaching a 12-month high [1] - The average new mortgage insurance loan amount was HKD 4.86 million, up by HKD 110,000 (2.3%) month-on-month, also a 5-month high [1] - In the new mortgage insurance cases, first-hand properties accounted for 41%, while second-hand properties made up 59% [1] Year-to-Date Comparison - For the first nine months of 2025, the number of new mortgage insurance loans was 12,490, totaling HKD 623.37 billion, down 24.8% in number and 28.1% in amount compared to the same period last year, marking the lowest figures in nearly nine years for the number and six years for the amount [2] - The number of new mortgage insurance loans taken out in the first nine months was 5,411, with a total amount of HKD 267.47 billion, reflecting a decrease of 31.1% in number and 33.8% in amount from the previous year, also the lowest in nearly nine years for the number and six years for the amount [2]

Group 1 - In July, the number and amount of new mortgage insurance plan loans in Hong Kong reached 1,532 cases and HKD 7.523 billion, representing increases of 7.7% and 9.2% respectively compared to June, with the number of cases hitting a 12-month high and the amount a 11-month high [1] - The number and amount of new mortgage insurance plan loans utilized in July were 629 cases and HKD 3.039 billion, showing decreases of 10.4% and 7% respectively from June, while the average loan amount increased by HKD 170,000 or 3.8%, marking a 3-month high [1] - For the first seven months of 2025, the number and amount of new mortgage insurance loans were 9,864 cases and HKD 49.085 billion, down 29.2% and 32.5% year-on-year, with both figures reaching their lowest levels in nearly nine and six years respectively [1] Group 2 - The Chief Vice President of the mortgage referral company indicated that the property market is stabilizing, but developers are primarily selling new properties and leftover stock at lower prices, which has affected the mortgage ratios and borrowing amounts for buyers [2] - Due to the Hong Kong government's relaxation of mortgage ratios last year, buyers can apply for up to 70% mortgages without needing insurance, leading to a decrease in demand for mortgage insurance, and it is expected that the numbers will continue to fluctuate slightly in the second half of the year [2]

Group 1 - The number of negative equity cases in Hong Kong decreased to 37,806 in Q2 2025, down 7.2% from the previous quarter, with the total amount involved at HKD 190.16 billion, a decrease of 7.6% [1] - The property market showed signs of recovery following the announcement of stamp duty adjustments in February, with the private residential price index rising for three consecutive months [1] - The number of new mortgage insurance applications in the first half of the year was 3,483, a decrease of 37.1% year-on-year, marking the lowest level in nearly nine years [1] Group 2 - The delinquency rate for mortgages overdue by more than three months remains low at 0.21%, indicating that most homeowners maintain a stable repayment ability [1] - Expectations of a potential interest rate cut by the Federal Reserve in Q4 may lead to a decrease in Hong Kong's interbank rates, which could stimulate further economic recovery and boost the property market [2] - If the property market continues to stabilize in the second half of the year, there is potential for further reduction in negative equity cases [3]

Core Insights - In April, the number and amount of new mortgage insurance loans increased significantly, reaching 1,490 loans and HKD 71.28 billion, marking a 10% increase in volume and a 7.4% increase in value compared to March [1] - The number of new mortgage insurance loans utilized in April was 610, totaling HKD 33.78 billion, which represents an 18.4% increase in volume and a 30% increase in value from March, both reaching a 7-month high [1] - The first four months of 2023 saw a decline in new mortgage insurance loans, with 5,448 loans and HKD 274.87 billion, down 35.5% and 36.7% year-on-year, respectively, marking the lowest figures in nearly nine and six years [1] Group 1 - The number of new mortgage insurance loans in April was 1,490, an increase of 135 loans (10%) from March [1] - The total amount for new mortgage insurance loans in April was HKD 71.28 billion, an increase of HKD 4.89 billion (7.4%) from March [1] - The average new mortgage insurance loan amount in April was HKD 55,400, up HKD 490,000 (9.7%) from the previous month, reaching an 18-month high [1] Group 2 - The proportion of first-hand properties in new mortgage insurance cases was 54%, the highest in 10 months, while second-hand properties accounted for 46% [1] - The first four months of 2023 saw 2,169 new mortgage insurance loans utilized, down 17.3% year-on-year, totaling HKD 112.92 billion, a decrease of 18.4% [1] - The increase in April's mortgage insurance numbers is attributed to new developments, such as Park Seasons, with buyers opting for higher mortgage ratios [2]