銀公:H按封頂利率仍有上調壓力 最優惠利率加息條件愈來愈大
銀行公會主席禤惠儀在記者會上表示,美國開始加息周期,香港息口無可避免需要跟隨,一個月拆息在過去一段時間都有跟隨美息上升。隨著拆息一路走高,亦升穿H按封頂利率,因此有銀行相應調升封頂利率,認為是預期中及合理做法。
她指,雖然已有個別銀行將H按封頂利率上調25點子,但由於美國息口上升周期未完,估計H按封頂利率仍然有進一步上調壓力。她相信,銀行是採取按步就班方式,先上調H按封頂利率25點子,再觀望9月美國議息後的息率走勢,若息率仍然向上,本港銀行有機會需要再上調H按封頂利率。
禤惠儀提到,美國預期將繼續加息,港息亦會持續上升,目前本港銀行體系結餘已收縮至約1,200億元,一個月銀行拆息處於約1.9%至2%水平,當結餘跌穿1,000億元關口,便是銀行審視是否有需要上調息口的條件,相信本港銀行整體最優惠利率(P)的加息條件愈來愈大,但調整與否要視乎個別銀行的資金成本、整個市場資金流向及資金充裕情況等。
另外,她稱樓市需求不止受息率影響,同樣受整體經濟及供求情況影響,現時銀行按揭的壓力測試已恆常一段時間,能夠在風險管理上給予業界頗大緩衝,公會將持續與金管局檢視於息率上升時,如何在壓力測試的足夠性上進一步保障金融體系及買家。
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