Residential Mortgage Survey Results for August 2026

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

The number of mortgage applications in August decreased month-on-month by 8.3% to 8,446.

Mortgage loans approved in August decreased by 28.2% compared with July to HK$32.2 billion.  Among these, mortgage loans financing primary market transactions decreased by 31.8% to HK$9.1 billion and those financing secondary market transactions decreased by 36.7% to HK$15.3 billion.  Mortgage loans for refinancing increased by 6.8% to HK$7.8 billion. 

Mortgage loans drawn down during August increased by 11.6% compared with July to HK$32.8 billion. 

The ratio of new mortgage loans priced with reference to HIBOR decreased from 61% in July to 57% in August.  The ratio of new mortgage loans priced with reference to best lending rates increased from 1.3% in July to 1.9% in August.

The outstanding value of mortgage loans increased month-on-month by 0.6% to HK$1,975.4 billion at end-August. 

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
30 September 2026