Group 1 - In June, the number of existing property mortgage applications reached 6,772, a month-on-month increase of 33.9%, marking a 22-month high, and a year-on-year increase of 37% [1] - The number of pre-sale property mortgage applications was 564, with a month-on-month increase of 46.9%, recovering after two months of decline, but a year-on-year decrease of 29.9% [1] - For the first half of the year, existing property mortgage applications totaled 28,885, a year-on-year increase of 17.8%, while pre-sale property mortgage applications reached 3,189, a year-on-year increase of 92.9%, the highest in nearly five years [1] Group 2 - The significant increase in pre-sale property mortgages in June was driven by new developments such as Golden Bay • Pearl Coast, Royal City, and others, while existing property mortgages were boosted by buyers from various housing estates [1] - The low interest rates have improved market sentiment, and it is expected that the property market will continue to stabilize in the second half of the year, with positive growth in both existing and pre-sale mortgage applications [1] - In terms of market share for existing property mortgages, Bank of China (Hong Kong) led with a 33% market share, followed by HSBC at 21.3%, Hang Seng at 15.4%, Standard Chartered at 5.2%, and Bank of East Asia at 4.6% [1] Group 3 - For pre-sale property mortgages, Bank of China (Hong Kong) also led with a 32.1% market share, followed by HSBC at 20.2%, Hang Seng at 18.3%, Standard Chartered at 6.4%, and ICBC (Asia) at 6.2% [2] - The market share of the four major banks for existing properties increased from 65.6% in May to 74.9% in June, an increase of 9.3 percentage points [2] - The shift in bank attitudes towards mortgage business is expected to lead to adjustments in market share in the second half of the year as banks begin to compete for mortgage business [2]