Residential Mortgage Survey Results for July 2025

The Hong Kong Monetary Authority announced the results of the residential mortgage survey for July 2025.

The number of mortgage applications in July increased month-on-month by 4.9% to 9,005.  

Mortgage loans approved in July increased by 11.2% compared with June to HK$30.6 billion.  Among these, mortgage loans financing primary market transactions increased by 16.4% to HK$10.8 billion and those financing secondary market transactions increased by 10.5% to HK$16.6 billion.  Mortgage loans for refinancing decreased by 0.2% to HK$3.2 billion. 

Mortgage loans drawn down during July increased by 3% compared with June to HK$18.2 billion. 

The ratio of new mortgage loans priced with reference to HIBOR increased from 94.7% in June to 95.7% in July.  The ratio of new mortgage loans priced with reference to best lending rates decreased from 1.7% in June to 1.2% in July.

The outstanding value of mortgage loans increased month-on-month by 0.1% to HK$1,887.3 billion at end-July. 

The mortgage delinquency ratio stood at a low level of 0.13% and the rescheduled loan ratio was unchanged at nearly 0%.

Annex

Hong Kong Monetary Authority
29 August 2025