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《本地樓市》經絡按揭料港銀短期將上調最優惠利率 加息幅度約0.25厘
美聯儲局宣布加息0.5厘,符合巿場預期,聯邦基金利率由3.75厘至4厘,提升至介乎4.25厘至4.5厘,符合市場預期,聯儲局年內已連續7次加息,共已加4.25厘。美國11月份消費者物價指數(CPI)報7.1%,連跌5個月,低於市場預期。美國財長耶倫日前表示,除非出現意外衝擊,美國通脹預計會在2023年大幅下降。 經絡按揭轉介首席副總裁曹德明指,過去9個月,聯儲局透過連續4次大手加息0.75厘作打擊通脹的首個階段,現時第二階段開始放慢加息步伐,加息幅度收窄至0.5厘,但現時通脹率與目標2%仍有一段距離,加上中美貿易,俄烏問題及疫情等打擊全球經濟活動,為通脹帶來不確定性。曹德明預料,明年美國加息仍會持續以降低通脹為主,料明年聯邦基金利率仍會升至5厘半或以上水平。 另一方面,昨日一個月HIBOR報4.97厘,並已連續1個半月維持3厘以上水平,早已高於一般銀行新造P按息率及H按封頂息率,本港銀行體系結餘約964億元水平。曹德明預料美國加息仍會持續,聯繫匯率制度下,港美息口差距進一步擴寬,加上拆息將維持高水平,在資金成本壓力下,本港銀行加息難避免,月內已有8間銀行預計息率走勢、因應資金成本下陸續再度上調H按鎖息上限,並為利率上升再作準備。金管局亦剛宣布將基本利率由4.25厘上調至4.75厘,相信各銀行將會因應自身資金成本陸續跟隨加息步伐。他料本港銀行短時間內將調升最優惠利率P,加息幅度約0.25厘。
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