Core Insights - In January 2026, the number of existing property mortgage applications in Hong Kong reached 8,022, a significant increase of 2,940 applications (57.9%) compared to December 2025, marking a 31-month high [1] - The number of pre-sale property mortgage applications was 381, up by 78 applications (25.7%) from December 2025, also reaching a three-month high [1] - Compared to the same period last year, existing property mortgage applications increased by 3,821 applications (91%), while pre-sale property mortgage applications decreased by 15 applications (3.8%) [1] Group 1: Existing Property Mortgages - The existing property mortgage applications in January 2026 showed a notable rise, attributed to new buyers from projects like Anli Court and Anhua Court [1] - The current interest rates are maintained at reasonable levels, and property prices in Hong Kong have stabilized significantly, leading to a reduction of over 30% in negative equity cases, the lowest in nearly nine quarters [1] - Positive factors are expected to enhance market confidence among users and investors, with projections indicating a steady increase in transaction volumes and continued growth in existing and pre-sale mortgage applications [1] Group 2: Market Share of Mortgage Banks - Bank of China Hong Kong (02388) maintained the top position in existing property mortgage market share with 30.4%, followed by HSBC at 22.2%, Hang Seng Bank at 13.7%, Standard Chartered at 8%, and Bank of East Asia at 4.8% [2] - In the pre-sale property mortgage market, HSBC ranked first with a market share of 26.8%, while Bank of China Hong Kong dropped to second with 23.9% [2] - The market share of the four major banks in existing property mortgages increased from 67.8% to 74.3% in January 2026, indicating a rebound in property prices and consumer confidence [2]

Group 1 - The core viewpoint indicates that the Hong Kong mortgage registration volume for existing properties is expected to reach 62,000 cases in 2025, representing a year-on-year increase of 29.3%, ending a three-year decline [1] - The mortgage registration volume for pre-sale properties is projected to be 6,502 cases, marking a five-year high with a year-on-year increase of 65.8% [1] - The recovery of the property market has led to an increase in the willingness of investors and buyers to enter the market, with a notable rise in the proportion of mainland and overseas buyers in 2025 [1] Group 2 - China Bank (Hong Kong) maintains a market share of 32.6%, ranking first in existing property mortgages for seven consecutive years and also leading in pre-sale property mortgages for the first time [1] - The current mortgage interest rate is stable at a neutral low level of 3.25%, combined with a zero-interest deposit environment, which is driving funds towards the property market with potential returns [1] - In December 2025, the existing property mortgage registration reached 4,893 cases, reflecting a month-on-month increase of 3.2%, with the market share of the top four banks rising to 71.5% [1] Group 3 - In terms of competition among banks, China Bank (Hong Kong) recorded an annual existing property mortgage registration volume of 20,200 cases, a year-on-year increase of 34% [1] - HSBC maintained its second position with 12,700 cases, while Standard Chartered Bank saw a significant increase of 2.8 times in registrations, rising to fourth place with 4,386 cases [1] - In the pre-sale mortgage market, China Bank (Hong Kong) regained the top position with 1,786 cases, while Hang Seng Bank entered the top three with 918 cases, reflecting a year-on-year increase of 1.8 times [1]

Core Insights - The mortgage market in Hong Kong has shown a significant decline in November 2025, with existing home mortgages dropping by 25.7% compared to October, reaching a seven-month low [1] - Conversely, year-on-year comparisons indicate a 59.9% increase in existing home mortgages compared to November 2024, suggesting a recovery trend over the past year [1] - The overall sentiment in the housing market is optimistic, with expectations of a gradual increase in transactions and mortgage numbers in the coming year [1] Group 1: Mortgage Statistics - In November 2025, the number of existing home mortgages was 4,951, down from 6,662 in October, marking a decrease of 1,711 mortgages [1] - The number of pre-sale mortgages also fell to 232 in November, a decrease of 61.3% from 599 in October, reaching a 19-month low [1] - For the first 11 months of 2025, existing home mortgages totaled 59,179, an increase of 27.7% from 46,336 in the same period last year [1] Group 2: Market Share of Banks - Bank of China Hong Kong leads the existing home mortgage market with a 25.6% market share, followed by HSBC at 21.4% and Hang Seng Bank at 9.9% [2] - In the pre-sale mortgage market, Bank of China Hong Kong also ranks first with a market share of 28%, while HSBC holds 22.4% [2] - The market share of the four major banks for existing home mortgages dropped to 65.9% in November, a decline of 8.4% from the previous month, indicating a competitive environment among banks [2]

Core Insights - The Hong Kong mortgage market shows signs of recovery, with an increase in existing property mortgage registrations in October, reaching 6,463, a month-on-month increase of 7.1% [1] - New property mortgage registrations fell to 595, a decrease of 44% month-on-month, attributed to a reduction in the number of large new developments launched [1] - The overall market sentiment is improving, driven by lower interest rates following the U.S. rate cuts, which is expected to encourage more buyers and investors to enter the market [1] Group 1: Existing Property Mortgages - In October, existing property mortgage registrations totaled 6,463, marking a 7.1% increase from the previous month, and maintaining above 6,000 for three consecutive months [1] - The market is showing sustained strength, with expectations for continued positive growth in mortgage registrations for the year [1] Group 2: New Property Mortgages - New property mortgage registrations dropped to 595 in October, a significant decline of 44% from the previous month, primarily due to fewer large new projects being launched [1] - Year-to-date figures indicate a strong performance in new property mortgages, with a 78.2% year-on-year increase in registrations, totaling 5,971 [2] Group 3: Market Share Analysis - In October, Bank of China (Hong Kong) saw its market share for existing property mortgages decrease by 1.6 percentage points to 33.5%, while HSBC's market share fell by 0.1 percentage points to 19.9% [1] - For new property mortgages, HSBC's market share decreased by 4.2 percentage points to 24%, while Bank of China (Hong Kong) dropped by 3.9 percentage points to 20.3% [2] - Hang Seng Bank and Standard Chartered Bank saw increases in their market shares for both existing and new property mortgages, indicating a shift in competitive dynamics [1][2]

Core Insights - In October 2025, the number of existing property mortgage applications in Hong Kong increased to 6,662, up by 491 applications (8%) from September, while the number of pre-sale mortgage applications dropped to 599, a decrease of 599 applications (44%) from the previous month [1] - Year-on-year comparison shows that existing property mortgage applications rose by 2,729 applications (69.4%) compared to October 2024, while pre-sale mortgage applications increased by 51 applications (9.3%) [1] - For the first ten months of 2025, existing property mortgage applications totaled 54,228, an increase of 10,988 applications (25.4%) from the same period in 2024, and pre-sale mortgage applications reached 6,041, up by 2,435 applications (67.5%) [1] Market Share Analysis - In the existing property mortgage market, Bank of China (Hong Kong) leads with a market share of 32.2%, followed by HSBC at 19.3%, Hang Seng Bank at 15.8%, Standard Chartered Bank at 7%, and Bank of East Asia at 6.2% [2] - For pre-sale mortgages, HSBC ranks first with a market share of 23.9%, followed by Bank of China (Hong Kong) at 20.2%, Hang Seng Bank at 14.4%, and China Communications Bank at 10.5% [2] - The market share of the four major banks in existing property mortgages slightly decreased from 74.7% to 74.3% in October 2025 [2]

Core Insights - In September 2025, the number of existing property mortgage applications decreased to 6,171, down 637 applications (9.4%) from August, while the number of pre-sale mortgage applications surged to 1,070, an increase of 691 applications (182.3%), marking a new high in over 68 months [1][2] - Year-on-year comparisons show that existing property mortgage applications increased by 2,228 applications (56.5%) compared to September 2024, while pre-sale mortgage applications rose by 502 applications (88.4%) [1] - For the first nine months of 2025, existing property mortgage applications totaled 47,566, an increase of 8,259 applications (21%) from the same period last year, while pre-sale mortgage applications reached 5,442, up 2,384 applications (78%) [1] Mortgage Market Dynamics - The significant increase in pre-sale mortgage applications in September was driven by new developments such as Sierra Sea and Yoho West Parkside, with Sierra Sea buyers accounting for over 60% of the total pre-sale mortgages [2] - The rise in pre-sale mortgages reflects the effectiveness of the government's recent measures to relax pre-sale mortgage ratios, leading to a steady increase in new property transactions [2] - The market share of existing property mortgages among the four major banks slightly decreased from 75% to 74.7% in September, indicating a competitive landscape [3] Bank Market Shares - In the existing property mortgage market, Bank of China (Hong Kong) leads with a market share of 33.8%, followed by HSBC at 19.5% and Hang Seng Bank at 15.5% [2] - For pre-sale mortgages, HSBC regained the top position with a market share of 28%, while Bank of China (Hong Kong) fell to second place with 24% [2] - The competitive environment has prompted banks to introduce various mortgage plans and incentives, including HSBC's new fixed-rate mortgage plans, which are expected to attract new mortgage clients [3]

Core Insights - The number of existing home mortgage registrations in August 2025 reached 6,629, a month-on-month increase of 22.1%, marking the highest level in 23 months since August 2023, driven by a recovering property market and increased transactions [1][2] - The market share of the top four banks increased by 4.3 percentage points to 77.5%, with Bank of China Hong Kong leading the market with a share of 33.8% [2] - The number of pre-sale mortgage registrations fell to 376 in August, a decrease of 52.6% from July, primarily due to the completion of units at Long Tian Feng [3] Group 1: Existing Home Mortgages - In August 2025, existing home mortgage registrations totaled 6,629, up 22.1% from July, the highest in nearly two years [1][2] - The increase in registrations was attributed to favorable market conditions, including lower interest rates and increased market confidence [1] - The top four banks' market share rose to 77.5%, with Bank of China Hong Kong maintaining the highest share at 33.8% [2] Group 2: Pre-sale Mortgages - Pre-sale mortgage registrations dropped to 376 in August, a significant decline of 52.6% from the previous month [3] - The decline was mainly due to the completion of units at Long Tian Feng, with the majority of registrations in August coming from SIERRA SEA [3] - Despite the monthly drop, the total number of pre-sale mortgage registrations for the first eight months of 2025 increased significantly by 90.5% year-on-year [3]

Group 1 - In July 2025, the number of existing property mortgages in Hong Kong decreased to 5,702, down 1,070 (15.8%) from June, while the number of new property mortgages increased to 804, up 240 (42.6%) from June, marking a 13-month high [1] - Compared to the same month last year, existing property mortgages decreased by 239 (4%) from 5,941 in July 2024, while new property mortgages increased by 246 (44.1%) from 558 in July 2024 [1] - For the first seven months of 2025, existing property mortgages totaled 34,587, an increase of 4,116 (13.5%) from 30,471 in the same period last year, while new property mortgages reached 3,993, up 1,782 (80.6%) from 2,211 in the previous year, marking a five-year high for the first seven months [1] Group 2 - In terms of market share for existing property mortgages, Bank of China Hong Kong leads with 29.1%, followed by HSBC at 21.3%, Hang Seng Bank at 12.6%, Standard Chartered at 6%, and Bank of East Asia at 4.9% [2] - For new property mortgages, HSBC regained the top position with a market share of 27%, while Bank of China Hong Kong fell to second with 26.4%, followed by Hang Seng Bank at 16.5%, Standard Chartered at 6.3%, and Bank of East Asia at 5.7% [2] - The market share of the four major banks for existing property mortgages dropped from 74.9% in the previous month to 69% in July 2025, indicating a potential shift in the competitive landscape as banks become more positive about mortgage business [2]

Core Insights - The Hong Kong mortgage market has shown significant recovery, with June 2025 recording 6,508 registrations for existing properties, a substantial increase of 32.3% from May's 4,920 registrations, marking a 22-month high [1] - The number of mortgage registrations for new properties also rebounded significantly to 560 in June, reflecting a month-on-month increase of 50.9% [1] - Overall, the first half of 2025 saw a notable year-on-year increase in mortgage registrations for both existing and new properties, with existing property registrations rising by 18.7% to 27,784 and new property registrations soaring by 112% to 3,145 [1][2] Market Share Analysis - Bank of China (Hong Kong) maintained its leading position in the existing property mortgage market for nine consecutive months, achieving a market share of 33.8% with 9,390 registrations [1][2] - In June, the market share of Bank of China (Hong Kong) increased by 5.8 percentage points to 34.7%, while HSBC's market share rose by 1.8 percentage points to 22.2%, keeping it in second place [2] - Hang Seng Bank's market share increased by 3.4 percentage points to 16.1%, ranking third, while Standard Chartered Bank's market share decreased slightly to 5.4%, moving up one position to fourth [2] Additional Market Insights - The top five to ten banks in the existing property mortgage market in June included Bank of East Asia (4.8%), ICBC Asia (3.1%), China International Capital Corporation (2.5%), Citibank (1.9%), and Bank of Communications (1.8%) [3] - The overall market share of the top four banks accounted for 78.4% of the existing property mortgage registrations in June, reflecting a month-on-month increase of 8.1 percentage points [2]

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]