The Hong Kong Monetary Authority announced the results of the residential mortgage survey for December 2025.
The number of mortgage applications in December decreased month-on-month by 5.1% to 7,612.
Mortgage loans approved in December increased by 7.1% compared with November to HK$31.2 billion. Among these, mortgage loans financing primary market transactions increased by 8.2% to HK$11.7 billion and those financing secondary market transactions increased by 7.6% to HK$16.8 billion. Mortgage loans for refinancing decreased by 0.6% to HK$2.7 billion.
Mortgage loans drawn down during December increased by 1.7% compared with November to HK$20 billion.
The ratio of new mortgage loans priced with reference to HIBOR decreased from 90.7% in November to 89.8% in December. The ratio of new mortgage loans priced with reference to best lending rates increased from 1.1% in November to 1.3% in December.
The outstanding value of mortgage loans increased month-on-month by 0.2% to HK$1,917.5 billion at end-December.
The mortgage delinquency ratio stood at a low level of 0.14% and the rescheduled loan ratio was unchanged at nearly 0%.
Source：Hong Kong Monetary Authority (2026.1.30)
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