Residential Mortgage Survey Results for October 2025

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

The number of mortgage applications in October decreased month-on-month by 0.7% to 8,255.  

Mortgage loans approved in October were HK$31.3 billion, broadly unchanged compared with September.  Among these, mortgage loans financing primary market transactions decreased by 2.1% to HK$12.4 billion and those financing secondary market transactions increased by 3.4% to HK$16 billion.  Mortgage loans for refinancing decreased by 8.4% to HK$3 billion. 

Mortgage loans drawn down during October decreased by 3.5% compared with September to HK$20.1 billion. 

The ratio of new mortgage loans priced with reference to HIBOR decreased from 92.6% in September to 91.9% in October.  The ratio of new mortgage loans priced with reference to best lending rates decreased from 1.5% in September to 1.3% in October.

The outstanding value of mortgage loans increased month-on-month by 0.8% to HK$1,907.4 billion at end-October. 

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
28 November 2025