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建銀傳加H按息1.5厘超大行封頂利率5.125厘應對拆息升至5厘- 20230916 - 經濟 @ 2023-09-17T16: Back Hot News
Keyword:按息 按封頂息
Concept:按揭封頂息 , 匯豐銀行上調銀行
曹德明提到,港元1個月拆息連升8日,年內第3次升穿5厘水平,創逾1個月新高,而且拆息一直高企,導致H按實際按息長期觸及封頂水平,相信銀行基於資金成本考量及風險管理,而上調H按封頂息率。
對於大型銀行陸續上調一、二手物業的H按封頂息率。星之谷按揭轉介行政總裁莊錦輝表示,調整後按息封頂位攀升至逾4厘,為香港多年來首次供樓利率高於這一水平,預計將不利樓市氣氛,未來成交會進一步萎縮。
所謂「姜愈老愈辣」,獅子行匯豐上星期黎招「加按息又加定存息」,令其他行家焗住跟隊照做,亦反映「羊毛出自羊身上」慨道理,皆因各大行加H按封頂息半厘,同加定存息慨幅度相若,所以話呢,世界上系無免費午餐慨!
消息指,中銀香港將上調新造H按封頂息,由3.625厘上調至4.125厘,變相加息0.5厘,跟匯豐看齊,二手樓新按息將於下周一(18日)起生效,樓花則於月底生效。

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