Residential Mortgage Survey Results for January 2026
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The Hong Kong Monetary Authority announced the results of the residential mortgage survey for January 2026.
The number of mortgage applications in January 2026 increased month-on-month by 15.4 per cent to 8 785.
Mortgage loans approved in January 2026 increased by 4.1 per cent compared with December 2025 to HK$32.5 billion. Among these, mortgage loans financing primary market transactions decreased by 3.1 per cent to HK$11.3 billion and those financing secondary market transactions increased by 8.6 per cent to HK$18.3 billion. Mortgage loans for refinancing increased by 7.1 per cent to HK$2.9 billion.
Mortgage loans drawn down during January 2026 increased by 8.6 per cent compared with December 2025 to HK$21.7 billion.
The ratio of new mortgage loans priced with reference to HIBOR decreased from 89.8 per cent in December 2025 to 89.5 per cent in January 2026. The ratio of new mortgage loans priced with reference to best lending rates increased from 1.3 per cent in December 2025 to 1.5 per cent in January 2026.
The outstanding value of mortgage loans increased month-on-month by 0.3 per cent to HK$1,923.4 billion at end-January 2026.
The mortgage delinquency ratio stood at a low level of 0.13 per cent and the rescheduled loan ratio was unchanged at nearly 0 per cent.
Ends/Friday, February 27, 2026
Issued at HKT 16:42
Issued at HKT 16:42
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