Residential Mortgage Survey Results for July 2026

The Hong Kong Monetary Authority announced the results of the residential mortgage survey for July 2026.

The number of mortgage applications in July decreased month-on-month by 24% to 9,212.

Mortgage loans approved in July decreased by 11.4% compared with June to HK$44.8 billion.  Among these, mortgage loans financing primary market transactions decreased by 14.1% to HK$13.3 billion and those financing secondary market transactions decreased by 16.4% to HK$24.2 billion.  Mortgage loans for refinancing increased by 18.4% to HK$7.3 billion. 

Mortgage loans drawn down during July increased by 6% compared with June to HK$29.4 billion. 

The ratio of new mortgage loans priced with reference to HIBOR decreased from 70% in June to 61% in July.  The ratio of new mortgage loans priced with reference to best lending rates remained unchanged at 1.3% in July.

The outstanding value of mortgage loans increased month-on-month by 0.4% to HK$1,963.5 billion at end-July. 

The mortgage delinquency ratio stood at a low level of 0.11% and the rescheduled loan ratio was unchanged at nearly 0%.

Annex

Hong Kong Monetary Authority
31 August 2026