9月份新取用按揭保险计划贷款宗数及金额为715宗及34.76亿港元，较8月份的584宗及27.75亿港元，宗 数及金额分别增加131宗(22.4%)及7.01亿港元(25.3%)，宗数及金额均创12个月新高；平均新取用按保贷 款金额为486万港元，月环比增加11万港元(2.3%)，创5个月新高；另外，新取用按保个案中，一手物业 占比为41%，二手物业占比为59%。 以首9个月比较，2025年首9个月新批出按保贷款宗数及金额为12490宗及623.37亿港元，比去年同期的 16604宗及866.41亿港元，下跌4114宗(24.8%)及243.04亿港元(28.1%)，宗数创近9年首9个月新低，金额 创近6年首9个月新低。今年首9个月新取用按保贷款宗数及金额为5411宗及267.47亿港元，比去年同期 的7851宗及404.21亿港元，减少2440宗(31.1%)及136.74亿港元(33.8%)，宗数创近9年首9个月新低，金额 创近6年首9个月新低。 根据经络按揭转介研究部及香港按揭证券有限公司最新资料显示，9月份香港新批出按揭保险计划贷款 宗数及金额为1276宗及64.1亿港元，较8月份的1350宗及68. ...

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]