2025年第四季末香港拖欠三个月以上的负资产住宅按揭贷款比率为0.31%，相较2025年第三季末的 0.24%，仍维持于低水平。 1月30日，香港金融管理局公布2025年第四季末负资产住宅按揭贷款的最新调查结果。2025年第四季末 香港负资产住宅按揭贷款涉及的金额由2025年第三季末的1,568亿港元，减少至2025年第四季末的1,054 亿港元。负资产住宅按揭贷款中无抵押部分的金额由2025年第三季末的109亿港元，减少至2025年第四 季末的62亿港元。 2025年第四季末香港负资产住宅按揭贷款宗数为21304宗，2025年第三季末为31449宗。这些个案主要涉 及银行职员的住屋按揭贷款或按揭保险计划的贷款，而这类贷款的按揭成数一般较高。 ...

Core Insights - The Hong Kong Monetary Authority released the latest survey results on negative equity residential mortgage loans as of the end of Q3 2025, indicating a decrease in the number of such loans [1] - The number of negative equity residential mortgage loans dropped from 37,806 at the end of Q2 2025 to 31,449 at the end of Q3 2025 [1] - The total amount involved in negative equity residential mortgage loans decreased from HKD 190.2 billion at the end of Q2 2025 to HKD 156.8 billion at the end of Q3 2025 [1] - The unsecured portion of negative equity residential mortgage loans also saw a decline, from HKD 14.3 billion at the end of Q2 2025 to HKD 10.9 billion at the end of Q3 2025 [1] - The ratio of overdue negative equity residential mortgage loans (more than three months) was 0.24% at the end of Q3 2025, slightly up from 0.21% at the end of Q2 2025, but still at a low level [1]

Core Insights - The Hong Kong Monetary Authority reported a decrease in negative equity residential mortgage loans as of the end of Q2 2025, with the number of cases falling to 37,806 from 40,741 at the end of Q1 2025 [1] - The total amount involved in negative equity residential mortgage loans decreased from HKD 205.9 billion at the end of Q1 2025 to HKD 190.2 billion at the end of Q2 2025 [1] - The unsecured portion of negative equity residential mortgage loans also saw a decline, dropping from HKD 16.4 billion at the end of Q1 2025 to HKD 14.3 billion at the end of Q2 2025 [1] - The ratio of negative equity residential mortgage loans overdue by more than three months increased slightly to 0.21% at the end of Q2 2025, up from 0.17% at the end of Q1 2025, but remains at a low level [1]