The Hong Kong Monetary Authority announced the results of the residential mortgage survey for July 2025.
The number of mortgage applications in July increased month-on-month by 4.9% to 9,005.
Mortgage loans approved in July increased by 11.2% compared with June to HK$30.6 billion. Among these, mortgage loans financing primary market transactions increased by 16.4% to HK$10.8 billion and those financing secondary market transactions increased by 10.5% to HK$16.6 billion. Mortgage loans for refinancing decreased by 0.2% to HK$3.2 billion.
Mortgage loans drawn down during July increased by 3% compared with June to HK$18.2 billion.
The ratio of new mortgage loans priced with reference to HIBOR increased from 94.7% in June to 95.7% in July. The ratio of new mortgage loans priced with reference to best lending rates decreased from 1.7% in June to 1.2% in July.
The outstanding value of mortgage loans increased month-on-month by 0.1% to HK$1,887.3 billion at end-July.
The mortgage delinquency ratio stood at a low level of 0.13% and the rescheduled loan ratio was unchanged at nearly 0%.
Source：The Hong Kong Monetary Authority (2025.8.29)
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