Chun Yuen Mortgage: In October, there were 2,115 cases of housing mortgage registrations in Hong Kong, a decrease of 10% compared to the previous month.

Wong Mei Fung, Managing Director of Zhongyuan Mortgage, stated that according to the data from the research department of Zhongyuan Mortgage and the Hong Kong Land Registry, in October 2025, Hong Kong recorded a total of 2155 subsidized housing mortgage registrations (including Home Ownership Scheme flats and other subsidized housing), a decrease of 10% compared to September's 2403 registrations, but still exceeding 2000 registrations for the second consecutive month. This was mainly due to the completion of large-scale new Home Ownership Scheme projects, with buyers officially moving in. According to the Hong Kong Housing Authority's expectations, there will be more new Home Ownership Scheme projects completed this quarter, and it is expected that the volume of subsidized housing mortgage registrations in the fourth quarter will remain at a decent level. Benefiting from the completion of multiple new Home Ownership Scheme projects, the number of subsidized housing mortgage registrations in Hong Kong this year is significantly better than last year. In the first ten months of the year, there were four months where the number of Home Ownership Scheme registrations exceeded 2000; a total of 15,135 subsidized housing mortgage registrations were recorded in the first ten months of this year, a significant increase of 76% compared to the same period last year (8,589 registrations), and 51% more than the total registrations for the entire previous year. It can be expected that the volume of subsidized housing mortgage registrations in Hong Kong this year will show a clear positive growth trend. BOC HONG KONG (02388) continues to lead the Hong Kong subsidized housing mortgage market, with a market share close to 50% in October this year, maintaining its position as the market leader. Wong Mei Fung further pointed out that with the stabilization of the Hong Kong property market and improving market conditions in recent months, buyer confidence has increased, leading to an increase in transactions for second-hand subsidized housing properties; according to the current figures from Zhongyuan Mortgage's research department and the Hong Kong Housing Authority, there were 288 transactions in the secondary market for Home Ownership Scheme flats in October, a 42% increase from September's 203 transactions. A total of 2,783 transactions were recorded in the first ten months of the year in the secondary market for Home Ownership Scheme flats, a 28% decrease compared to the same period in 2024, which is believed to be due to the narrowing price gap between some properties in the market and Home Ownership Scheme flats, prompting some potential buyers to switch to the private property market.