The Hong Kong Monetary Authority announced the results of the residential mortgage survey for February 2026.
The number of mortgage applications in February decreased month-on-month by 7.5% to 8,125.
Mortgage loans approved in February decreased by 10.8% compared with January to HK$29 billion. Among these, mortgage loans financing primary market transactions decreased by 24% to HK$8.6 billion and those financing secondary market transactions decreased by 6.1% to HK$17.2 billion. Mortgage loans for refinancing increased by 10.7% to HK$3.2 billion.
Mortgage loans drawn down during February decreased by 24.4% compared with January to HK$16.4 billion.
The ratio of new mortgage loans priced with reference to HIBOR decreased from 89.5% in January to 87.5% in February. The ratio of new mortgage loans priced with reference to best lending rates increased from 1.5% in January to 1.9% in February.
The outstanding value of mortgage loans increased month-on-month by 0.2% to HK$1,926.3 billion at end-February.
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 (2026.3.31)
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