Residential Mortgage Survey Results for September 2026

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

The number of mortgage applications in September decreased month-on-month by 10.5% to 7,560.

Mortgage loans approved in September decreased by 1.1% compared with August to HK$31.8 billion.  Among these, mortgage loans financing primary market transactions decreased by 6.8% to HK$8.5 billion and those financing secondary market transactions decreased by 5.7% to HK$14.4 billion.  Mortgage loans for refinancing increased by 14.6% to HK$8.9 billion. 

Mortgage loans drawn down during September decreased by 22.8% compared with August to HK$25.3 billion. 

The ratio of new mortgage loans priced with reference to HIBOR decreased from 57% in August to 52.7% in September.  The ratio of new mortgage loans priced with reference to best lending rates decreased from 1.9% in August to 1.3% in September.

The outstanding value of mortgage loans increased month-on-month by 0.2% to HK$1,980.3 billion at end-September. 

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 October 2026