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《本地樓市》市傳有中小型銀行加息0.25厘 經絡:HIBOR或升至4厘以上水平
市傳有中小型銀行宣布加息0.25厘,高於其他銀行加息幅度0.125厘,並於今日(10日)即時生效。 經絡按揭轉介首席副總裁曹德明表示,自上周四美聯儲議息會議宣布加息0.25厘後,多間銀行已先後陸續跟隨加最優惠利率(P)0.125厘。而是次有中小型銀行「不跟大隊」加息0.25厘,相信是因近月拆息一直攀升及該行自身資金成本壓力較大所致。事實上,昨日銀行一個月拆息(HIBOR)報3.77%,連升14個工作天,創自今年1月4日(3.86%)後即逾四個月的新高,另外本港銀行結餘亦已降至約454億元,曹德明料HIBOR將有上升壓力,將挑戰4厘以上水平,並會維持於高水平一段時間。 曹德明指,現時HIBOR已高於銀行一般新造H按封頂息率,該中小型銀行或預視HIBOR將繼續高於H按封頂息率一段時間,在資金成本壓力下,而決定加息0.25厘。他認為,是次該中小型銀行加息0.25厘或屬個別例子,事實上過去加息周期亦曾出現銀行之間「不同步加息」的情況,相信當HIBOR維持於高水平一段時間,其他銀行根據自身資金成本下,仍有條件於下次議息會議追加P。
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