The Zhitong Finance App learned that on October 30, the Hong Kong Monetary Authority announced the latest survey results on negative asset residential mortgage loans at the end of the third quarter of 2026. The number of negative asset residential mortgage loans at the end of the third quarter of 2026 was 3,819, and 4,356 at the end of the second quarter of 2026. These cases mainly involved home mortgage loans or mortgage insurance plan loans for bank employees, and the mortgage ratio of such loans is generally high. The amount involved in negative asset residential mortgage loans was reduced from HK$19.6 billion at the end of the second quarter of 2026 to HK$17.3 billion at the end of the third quarter of 2026.
The amount of the unsecured portion of negative asset residential mortgage loans was reduced from HK$900 million at the end of the second quarter of 2026 to HK$800 million at the end of the third quarter of 2026.
Since the decline in the amount of money involved in negative asset residential mortgage loans was greater than the decline in the amount arrears of negative asset residential mortgage loans, the ratio of negative asset residential mortgage loans overdue for more than three months increased from 1.25% at the end of the second quarter of 2026 to 1.34% at the end of the third quarter of 2026.
It is important to note that the figures obtained from this survey only relate to one-margin loans provided by banks and known to be negative assets (that is, the amount of outstanding loans owed to the surveyed institutions exceeds the current market value of the mortgaged property). This does not include residential mortgage loans involving two-credit loans, which together with the calculation of two loans are negative assets. Since the bank has no information on the outstanding loans that customers press 2, it is impossible to know how many of these loans are negative asset loans.
The mortgage loan amount of the accredited institutions surveyed accounted for about 99% of the total mortgage loans in the entire banking system. The survey results were extrapolated to estimate the negative asset mortgage loan situation of the entire banking system.