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經絡料本周美聯儲議息後銀行將啟動加P
今日,香港一個月銀行同業拆息(HIBOR)升至2.55厘,已超過近年一般銀行H按計劃的封頂息率2.5厘,同時已連升8個工作天,並創自2019年12月31日後(2.67厘)即逾32個半月新高。 經絡按揭轉介首席副總裁曹德明表示,以近年一般H按計劃為H+1.3厘及封頂息率2.5計算,現時H按供樓人士早已超過1個半月以封頂息率作出供款,可見銀行邊際利潤十分低微。而銀行息差收窄,為加強風險管理,現時絕大部分銀行已先後上調H按鎖息上限。此舉有助舒緩銀行資金成本壓力,以及確保在息率趨升下可保持利潤空間。 曹德明相信美國加息步伐將會持續。美聯儲將於本周四公布議息會議結果,市場普遍估計再加息至少0.75厘。曹德明料本月議息會議後,港美息口差距進一步擴寬,香港銀行將第一次啟步調升P,預計幅度約為0.25厘左右。 曹德明建議有意置業人士應密切留意息口走勢及市場環境變化,選擇合適的按揭計劃,預留更多首期及後備資金,同時亦避免借得太盡。
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