经络按揭转介首席副总裁曹德明表示，11月份现楼按揭数字创记录新低，相信仍反映第3季经济状况以及《施政报告》出台前的市况，另外，因缺乏大型新盘上会，使楼花按揭数字按月显著回落。随着香港银行减息，《施政报告》多项楼按政策出台，交投于10月份及11月份回稳，料现楼及楼花按揭数字亦有望止跌回稳。In November 2024, the number of existing building mortgages was 3096, a decrease of 837 (21.3%) from 3933 in October, marking a 4-month consecutive decline to a record monthly low since 2001.
According to the latest data from the Interbank Mortgage Referral Research Department and the Hong Kong Land Registry, in November 2024, the number of existing building mortgages was 3096, a decrease of 837 (21.3%) from 3933 in October, marking a 4-month consecutive decline to a record low since 2001. The number of new property mortgages that month was 259, a decrease of 289 (52.7%) from 548 in October, marking a 7-month low. Compared to the same period last year, the number of existing building mortgages in November 2024 decreased by 1719 (35.7%) from 4815 in the same period in 2023; while the number of new property mortgages increased by 109 (72.7%) from 150 in the same period in 2023.
Comparing the first 11 months, the number of existing building mortgages in the first 11 months of this year was recorded at 0.046336 million, a decrease of 0.024074 million (34.2%) from 0.07041 million in the same period last year, marking a new low for the first 11 months since 2001. The number of new property mortgages in the first 11 months of this year was 3865, an increase of 2364 (157.5%) from 1501 in the same period last year.
Cao Deming, Deputy Chief Executive of the Interbank Mortgage Referral, stated that the November existing building mortgage figures hit a record low, reflecting the economic situation in the third quarter and the market conditions before the policy address. In addition, the significant monthly decline in new property mortgages was due to the lack of large new developments. With Hong Kong banks lowering interest rates and various mortgage policies introduced in the policy address, trading stabilized in October and November, indicating a possible stabilization of existing building and new property mortgage figures.
In terms of market share of existing building mortgages, BOC Hong Kong (02388) held the top position with a market share of 28.9%, maintaining its lead for two consecutive periods; HSBC ranked second with a market share of 22.3%; Hang Seng Bank (00011) took third place with a market share of 10.5%; Standard Chartered Bank ranked fourth with a market share of 7.3%; Bank of East Asia dropped to fifth place with a market share of 2.9%.
Regarding the market share of new property mortgages, HSBC maintained the top position for the eighth consecutive period with a market share of 23.6%; BOC Hong Kong ranked second with a market share of 17%; Hang Seng Bank rose two positions to third with a market share of 12.4%; Bank of East Asia dropped to fourth with a market share of 12%; and Bank of East Asia (00023) dropped to fifth place with a market share of 9.7%.
In November 2024, the market share of the four major banks in existing buildings decreased slightly by 0.1% from the previous month to 69.1%. Cao Deming stated that banks have recently shown a more positive attitude towards mortgage business, accelerating the approval process and reintroducing cash rebates for mortgages. Additionally, three large banks have launched low-interest mortgage plans to attract more mortgage business, while other banks are expected to introduce different types of mortgage plans according to their own strategies to stabilize the property market.
