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《本地樓市》傳匯豐將上調H按封頂息率 經絡料其他銀行因應自身資金成本而將陸續跟隨
阿思達克 11-25 16:47
有報道指匯豐銀行將於下月初上調一、二手物業的拆息按揭計劃(H按)封頂息率,一手物業由2.875厘增加25點子,至3.125厘;二手物業由3.125厘增加25點子,至3.375厘。 經絡按揭轉介首席副總裁曹德明指,市場料下月美聯署議息會議將繼續加息0.5厘,在聯繫匯率制度下,港美息口差距進一步擴寬。今日香港一個月銀行同業拆息(HIBOR)報4.11厘,連升九個工作天,再創自2008年10月17日後(4.19厘)即逾十四年新高,同時HIBOR已連續一個月維持3厘以上,銀行體系結餘亦反覆回落至約965億元。 香港息口及銀行資金成本壓力驟增,曹德明料香港銀行將於下月再次上調P,視乎銀行結餘走勢,幅度約0.25厘。以今日(25日)一個月HIBOR已比匯豐銀行一手物業H按封頂息率多出超過1厘,該行預計息率走勢、因應資金成本及利潤而再度上調H按鎖息上限,並為利率上升再作準備。事實上,回顧今年9月香港加息(最優惠利率P)前2個月,多間銀行亦早已先後調升H按鎖息上限作為銀行加P的前奏。曹德明預期其他銀行將於下月加息(P)前或陸續跟隨上調H按鎖息上,建議打算置業客戶「貨比三家」,於加息前把握機會揀選最優惠的銀行。
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