Group 1 - In January 2026, there were 36 registered reverse mortgage applications, an increase of 6 applications month-on-month, representing a 20% rise, and a year-on-year increase of 1.8 times compared to January 2025, which had 13 applications [1] - The total number of reverse mortgage registrations for the year 2025 was 370, a decrease of 13% compared to 426 registrations in 2024 [1] - The highest annual registration volume for reverse mortgages was recorded in 2017 with 751 registrations, followed by 621 in 2018, during periods of rising property prices [1] Group 2 - In January 2026, there were 62 reverse mortgage applications, a decrease of 24% from 82 applications in December 2025, and a year-on-year decline of 21.5% compared to 79 applications in January 2025 [2] - The average age of reverse mortgage applicants is approximately 69 years, with an average property value of 5.5 million HKD, which has remained stable for five months [2] - The most popular option for annuity payment is the lifetime annuity, chosen by 54% of applicants, followed by a 10-year fixed term option at 20.7% [2]

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]