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中銀傳加H按封頂息至4.125厘與匯豐看齊專家指租平過供將加劇 @ 2023-09-12T20: Back Hot News
Keyword:匯豐 中銀 上調 香港 按揭 按封頂息
Concept:中銀香港上調按揭
繼匯豐上調新造按息及縮減回贈優惠後,據消息,今日中銀香港(02388)亦調整按揭息率,上調新造按息0.5%(H 按封頂息率由 P-2.25 厘調整至 P-1.75 厘,P 按息率同步調整),即實際按息將由3.625厘升至4.125厘,加幅半厘,息率調整幅度與匯豐相同,而按揭現金回贈調整幅度則有差別,有待確定;生效期同為9月18日(現樓)及樓花9月30日(樓花)。
中銀香港將會上調H按的鎖息上限,由現時P-2.25%大幅增加0.5厘至P-1.75厘,即實際封頂息率由3.625厘增加0.5厘至4.125厘,同時現金回贈亦會大幅下調。經絡按揭轉介預料其他銀行或將跟隨,拆息高企及資金成本壓力下,香港銀行月內或將上調最優惠利率(P息),並有3個建議,以及例子說明按揭利率上調的影響。
有報道指,繼匯豐銀行後,中銀香港亦計劃上調拆息掛勾按揭(H按)封頂息率,由最優惠利率(P)減2.25厘,上調至P減1.75厘,實際封頂息率由3.625厘增至4.125厘,幅度和利率水平均與匯豐看齊,現樓按揭本月18日起生效,樓花本月30日起生效。

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