傳上調H按鎖息上限 匯豐:決定調整按揭息率
市傳匯豐本月中起上調拆息按揭計劃(H按)的鎖息上限,由現時實際封頂息率由3.625厘,大幅增加0.5厘至4.125厘,同時現金回贈亦會大幅下調,由最高可達3.1%降至1.75%,惟消息指現金回贈仍有2%。
匯豐回應指出,作為主要的市場參與者,該行致力確保本港的按揭市場能夠健康及持續發展,因此會因應市場情況定期檢視按揭息率,並在需要時作出適當調整。考慮到近日香港銀行同業拆息、該行的競爭力及市場價格等多項因素,該行決定調整按揭息率。
此外,美聯物業住宅部行政總裁(港澳)布少明表示,調高鎖息上限等同於直接加按息,不單止增加每月供款,壓力測試的每月入息要求亦會因此而有所上升,短期內或刺激個別已經物色到心水單位的準買家加快決定,在實施新按揭前趕搭尾班車,以避免即將會增加的供款及壓測門檻,又料實行後將增添有意入市者的考慮,打擊他們因為近月樓價回落而「趁低吸納」的意欲,令本已低迷的樓市氣氛「雪上加霜」,惟對成交價量的真正影響,關鍵是其他銀行會否跟加,或待本月聯儲局公佈議息結果後才會浮現。
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