2025-08-02 28HSE 編輯部
The Hong Kong Monetary Authority (HKMA) has released its latest data on negative equity residential mortgages for the second quarter of 2025.
By the end of the quarter, the number of negative equity cases had fallen to 37,806, representing a 7.2% drop, or 2,935 fewer cases, compared to the 40,741 cases recorded at the end of the first quarter. Most of these cases involved bank staff housing loans or loans under mortgage insurance schemes, which generally have higher loan-to-value (LTV) ratios.
The total loan amount tied to negative equity mortgages decreased from HK$205.9 billion at the end of the first quarter to HK$190.2 billion by the end of the second quarter. The unsecured portion of these loans also saw a decline, dropping from HK$16.4 billion to HK$14.3 billion over the same period. Additionally, the delinquency rate for negative equity loans overdue by more than three months rose slightly from 0.17% to 0.21%.
Despite this increase, the delinquency rate remains at a low level, reflecting the overall stability of the market.
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