Hong Kong Mortgage Refinancing Registrations Drop 7.3% Month-on-Month in January 2026, Remain at Low Levels

Stock News02-26 19:39

According to Centaline Research, the volume of mortgage refinancing registrations in Hong Kong has only slightly recovered from the low levels seen at the end of last year and is currently moving sideways at a low level. Data shows that bank refinancing registrations reached 547 cases in January 2026, a decrease of 7.3% compared to the previous month but an increase of 1.3% year-on-year. Centaline noted that the refinancing market remains subdued due to banks raising interest rates for new and refinanced mortgage plans in 2023, which has resulted in existing mortgage interest rates for homeowners who secured loans earlier being lower than current market rates. Additionally, although Hong Kong property prices stabilized and began to rise in 2025, they remain more than 20% below their peak levels, reducing the incentive for refinancing. In terms of market share, the top five banks remained unchanged: BOC HONG KONG (02388), HSBC, Standard Chartered, Hang Seng Bank, and BANK OF E ASIA (00023). BOC HONG KONG ranked first in January 2026 with a 22.3% market share, maintaining the top position for the seventh consecutive month.

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