Core Viewpoint - The introduction of a new H+1% mortgage plan by a bank is seen as a promotional strategy that increases low-interest mortgage options in the market, but it is unlikely to lead to similar offerings from other banks due to its inherent limitations [1] Group 1: Mortgage Plan Analysis - The new mortgage interest rate is 0.3% lower than the mainstream market plans, but the capped interest rate is 2% higher than the market average [1] - The plan is sensitive to fluctuations in the interbank offered rate (HIBOR), which could result in interest rates exceeding the capped rate, making it less attractive for consumers [1] - If the one-month HIBOR rises above 2.5%, the effective interest rate of this plan would surpass the market's capped rate of 3.5%, limiting its usage [1] Group 2: Market Implications - The prevailing mainstream mortgage plans are expected to remain at H+1.3% with a capped interest rate as low as 3.5% (P-2%; with P currently at 5.5%), which offers higher security for consumers [1] - Due to the limitations of the H+1% plan, it is believed that other banks will not be incentivized to introduce similar mortgage plans in the near future [1]
中原按揭：H+1%按揭计划属个别银行推广 拆息波动或致按息超封顶息率
Zhi Tong Cai Jing·2025-08-14 07:49