Group 1 - In January 2026, the number and amount of newly approved mortgage insurance loans increased to 1,100 cases and HKD 5.94 billion, representing a rise of 60 cases (5.8%) and HKD 387 million (7%) compared to December 2025, marking a rebound after five consecutive months of decline [1] - The number and amount of new mortgage insurance loans utilized in January 2026 were 460 cases and HKD 2.356 billion, showing a decrease of 44 cases (8.7%) and HKD 180 million (7.1%) from December 2025, reaching a new low in over seven years for cases and over one year for amount [1] - The average amount of new mortgage insurance loans utilized was HKD 5.12 million, which increased by HKD 90,000 (1.8%) month-on-month, reaching a nine-month high [1] Group 2 - In January 2026, the number and amount of newly approved mortgage insurance loans decreased by 181 cases (14.1%) and HKD 726 million (10.9%) compared to January 2025, marking the lowest figures for the first month in nearly a decade and seven years respectively [2] - The number and amount of new mortgage insurance loans utilized in January 2026 fell by 57 cases (11%) and HKD 232 million (9%) compared to January 2025, also reaching new lows for the first month in nearly a decade and seven years [2] - The Chief Vice President of the mortgage referral company indicated that the uniform cap of 70% for mortgage loans provided by banks for all residential properties has led to a decline in demand for mortgage insurance, as buyers can secure up to 70% without needing insurance [2]