智通财经APP获悉，根据中原按揭研究部及香港土地注册处的数据，2026年1月录得36宗安老按揭登 记，按月增加6宗，升幅为20%；对比2025年首月(13宗)按年增1.8倍。中原按揭董事总经理王美凤预期 2026年楼价处于升轨，料推动今年安老按揭登记量回升。 王美凤指出，安老按揭以申请时期的物业估值计算可获年金，意味楼价若处高水平通常可获之年金较 高；根据历年统计数字，过往录得最高安老按揭登记量的年度是2017年，共达751宗，其次是2018年共 录621宗，当年楼价正处于上升时期，楼价逐步升至较高水平。2025年全年共录370宗安老按揭登记，对 比2024全年(426宗)按年减少13%。 安老按揭巿场占有率方面，自安老按揭计划推出以来，中银香港的参与度一直最高，2026年1月份36宗 安老按揭登记有35宗均由中银香港(02388)承造，市占率高达97%。排名第二是上海商业银行，录得1宗 登记，市场占有率为2.8%。 根据香港按证保险公司的数据，2026年1月共接获62安老按揭申请，较2025年12月的82宗，下跌了 24%。对比2025年同期，2025年1月登记量为79宗，按年跌21.5%。香港按揭证券公司 ...

Group 1 - The core point of the article highlights a significant decline in the registration of reverse mortgages in Hong Kong, with a 44% month-on-month drop in October 2025 compared to September 2025, totaling 18 registrations [1] - In the first ten months of 2025, there were 308 reverse mortgage registrations, representing an 18% decrease compared to the same period in 2024 [1] - Bank of China (Hong Kong) has maintained the highest participation in the reverse mortgage program, accounting for all 18 registrations in October 2025, with a total of 301 registrations year-to-date, down 18% from 367 in the same period last year, but still holding over 97% market share [1] Group 2 - Shanghai Commercial Bank ranked second with 5 registrations in 2025, maintaining the same number as the previous year, and holding a market share of 1.6% for the first ten months [1] - Both Bank of Communications (Hong Kong) and China Construction Bank (Asia) recorded 1 registration each, sharing the third position with a market share of 0.3% [1] - In October 2025, there were 80 reverse mortgage applications received, an 18% increase from 68 in September 2025, but the total applications for the first ten months of 2025 were 781, down 9% from 859 in the same period of 2024 [1]

Group 1 - In July 2025, Hong Kong recorded 39 registered elderly mortgages, an increase of 50% from 26 in June, marking the highest level in nine months since October 2024 [1] - A total of 229 elderly mortgage registrations were recorded in the first seven months of 2025, a decrease of 16.4% compared to 274 in the same period of 2024 [1] - Bank of China Hong Kong (02388) maintained the highest participation in the elderly mortgage market, with 38 out of 39 registrations in July being from this bank, resulting in a market share of 97.4% for the first seven months of the year [1] Group 2 - As of July 31, 2025, the elderly mortgage program has received a total of 8,558 applications, with single applications accounting for 65.6% [2] - The average age of elderly mortgage applicants is approximately 69 years, with an average property value of HKD 5.6 million [2] - The most popular option among applicants is the lifetime annuity, chosen by 53.4% of applicants, as it provides maximum security without repayment concerns [2]