經絡:市傳建行亞洲將上調H按鎖息上限並突破5厘 港銀年內或將上調P
繼四大銀行及部分中小型銀行於週內相繼上調拆息按揭計劃(H按)的鎖息上限,今日再有報道指,建行亞洲短期內將上調H按的鎖息上限,實際封頂息率由3.625厘增加1.5厘至5.125厘,同時現金回贈亦會大幅下調及不設高息掛鉤存款戶口。
經絡按揭轉介首席副總裁曹德明表示,一個月銀行同業拆息(HIBOR)已連升八個工作天,年內第三次升穿5厘,創逾一個月新高,而HIBOR年內一直高企,導致H按實際按息長期觸及封頂水平,相信該銀行亦基於資金成本考量及風險管理而上調H按鎖息上限。
曹德明表示,美國聯儲局年內或再加息以降低通脹,美息將繼續維持高位,港美息口差距或將進一步擴寬,料HIBOR將繼續徘徊高水平一段時間。在資金成本高企下,香港銀行年內仍有加息壓力,預計加息幅度約為0.125厘。
此外,根據經絡按揭轉介研究部及土地註冊處資料顯示,截止2023年8月,建行亞洲的現樓及樓花市佔率共佔整體市場僅有0.4%,曹表示,該行按揭市佔率較低,相信受影響的客戶較少,建議有意置業人士預留更多首期及後備資金以應對利息上升的風險,選擇按揭計劃可貨比三家,同時避免借得盡失預算。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements. Any calculations or images in the article are for illustrative purposes only.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance. Please carefully consider your personal risk tolerance, and consult independent professional advice if necessary.