Residential Mortgage Survey Results for August 2025

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

The number of mortgage applications in August decreased month-on-month by 6.7% to 8,405.  

Mortgage loans approved in August decreased by 6.3% compared with July to HK$28.7 billion.  Among these, mortgage loans financing primary market transactions decreased by 0.7% to HK$10.7 billion and those financing secondary market transactions decreased by 11.9% to HK$14.6 billion.  Mortgage loans for refinancing increased by 4.1% to HK$3.3 billion. 

Mortgage loans drawn down during August increased by 4.5% compared with July to HK$19 billion. 

The ratio of new mortgage loans priced with reference to HIBOR decreased from 95.7% in July to 94.4% in August.  The ratio of new mortgage loans priced with reference to best lending rates increased from 1.2% in July to 1.3% in August.

The outstanding value of mortgage loans increased month-on-month by 0.1% to HK$1,888.3 billion at end-August. 

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
30 September 2025