The Hong Kong Monetary Authority announced the results of the residential mortgage survey for September 2025.
The number of mortgage applications in September decreased month-on-month by 1.1% to 8,316.
Mortgage loans approved in September increased by 9.4% compared with August to HK$31.4 billion. Among these, mortgage loans financing primary market transactions increased by 17.5% to HK$12.6 billion and those financing secondary market transactions increased by 6.1% to HK$15.5 billion. Mortgage loans for refinancing decreased by 2.4% to HK$3.2 billion.
Mortgage loans drawn down during September increased by 9.7% compared with August to HK$20.9 billion.
The ratio of new mortgage loans priced with reference to HIBOR decreased from 94.4% in August to 92.6% in September. The ratio of new mortgage loans priced with reference to best lending rates increased from 1.3% in August to 1.5% in September.
The outstanding value of mortgage loans increased month-on-month by 0.2% to HK$1,891.4 billion at end-September.
The mortgage delinquency ratio stood at a low level of 0.13% and the rescheduled loan ratio was unchanged at nearly 0%.
Source：Hong Kong Monetary Authority (2025.10.31)
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