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- 匯豐擬上調新造H按封頂息0.5厘- 按揭息率- 信報網站hkej.com @ 2023-09-10T00: Back Hot News
Keyword:匯豐 按揭 上調 按封頂息
Concept:匯豐銀行上調 , 按揭封頂息率
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%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%-3.1%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。
市場消息指出,由9月18日起,匯豐將上調新造H按(拆息按揭)封頂息0.5厘,由原來P(最優惠利率)減2.25厘,上調至P減1.75厘,即實際按息由3.625厘加至4.125厘;而按揭現金回贈將由原先最高可達3.1%,削減至1.75%。
有報道指,匯豐銀行計劃本月18日起,將H按封頂利率由最優惠利率(P)減2.25厘,上調至P減1.75厘,實際封頂息由3.625厘增至4.125厘。不過,按揭現金回贈由原先最高可達3.1%大幅削減至1.75%。

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