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匯豐指決定調整按息報道指上調H按封頂息半厘- RTHK @ 2023-09-08T16: Back Hot News
Keyword:匯豐 按封頂息
Concept:按揭封頂息率 , 銀行上調按息
中原按揭董事總經理王美鳳表示,今年在加息周期歷程下,反映銀行資金成本的銀行同業拆息持續處於高水平,與樓按相關的1個月港元拆息由5月至今連續五個月處於逾4厘水平,拆息持續高現時市場按息3.625至水平,反映銀行資金成本持續有上升壓力,加上按揭現金回贈上升至高達3厘至3.1厘為18年來新高,銀行按揭業務難有合理利潤;相信匯豐決定上調新造按揭息率及縮減現金回贈優惠主要是紓緩資金成本上升的加息壓力。
《星島日報》報道,匯豐銀行將會大加 H 按(拆息按揭)封頂息率半厘,由9月18日起,該行將把 H 按封頂息由原來P(最優惠利率)減2.25厘上調至 P 減1.75厘,即實際封頂息由3.625厘加至4.125厘。該行的按揭現金回贈方面,同日起將由原來有機會最高可達3.1%大幅削減至1.75%。

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