The Hong Kong Monetary Authority announced the results of the residential mortgage survey for November 2025.
The number of mortgage applications in November decreased month-on-month by 2.9% to 8,019.
Mortgage loans approved in November decreased by 7% compared with October to HK$29.1 billion. Among these, mortgage loans financing primary market transactions decreased by 12.6% to HK$10.8 billion and those financing secondary market transactions decreased by 2.3% to HK$15.6 billion. Mortgage loans for refinancing decreased by 9.6% to HK$2.7 billion.
Mortgage loans drawn down during November decreased by 2.3% compared with October to HK$19.7 billion.
The ratio of new mortgage loans priced with reference to HIBOR decreased from 91.9% in October to 90.7% in November. The ratio of new mortgage loans priced with reference to best lending rates decreased from 1.3% in October to 1.1% in November.
The outstanding value of mortgage loans increased month-on-month by 0.3% to HK$1,913.5 billion at end-November.
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 (2025.12.31)
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