實際按息降至1.36厘 經絡料拆息有望挑戰0.05厘歷史低位
經絡按揭轉介指,香港一個月銀行同業拆息(HIBOR)跌至0.06厘(0.06411厘),連跌6個交易日,距離2009年12月15日的歷史低位(0.05厘)僅差0.01厘。經絡按揭轉介首席副總裁曹德明表示,一個月拆息將有望挑戰0.05厘歷史低位,並能為供樓及置業人士節省更多利息。
截至8月13日,香港銀行體系結餘仍然達到4,575億港元的歷史高位,並已維持4,500億元以上超過九個月。曹德明預期,年內拆息仍大機會維持於0.1厘以下,即近乎0利率。雖然美聯儲亦於曾「放風」收水,實際重啟退市料於明年2022年進行,而美國加息周期最快於2023年才開始。參考歷史紀錄,即使美國加息,香港亦不立即跟隨,相信香港未有急切加息需要,港低息環境仍會維持最少至2024年,因此未來3年香港息口仍會保持非常低的水平,對樓市具支持作用,料未來選用H按人士的比例將維持歷史高水平。
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