香港紧跟美联储降息、三大行同步下调最优惠利率，港股意外回落楼市获提振

Group 1 - The core viewpoint of the news is that following the Federal Reserve's interest rate cut, Hong Kong's financial institutions have also lowered their prime rates, which is expected to reduce borrowing costs for businesses and residents, particularly benefiting the housing market [2][3][9] - The Hong Kong Monetary Authority (HKMA) announced a 25 basis point reduction in the base rate to 4.5%, aligning with the Federal Reserve's actions [3][4] - Major banks, including Bank of China Hong Kong, HSBC, and Standard Chartered, have subsequently reduced their prime rates by 12.5 basis points, which will directly impact mortgage rates for homebuyers [4][9] Group 2 - Despite the expected positive impact of the interest rate cut on the stock market, the Hang Seng Index and other indices experienced declines, indicating that the market had already priced in the rate cut [5][7] - Analysts suggest that the reduction in interest rates may lead to a shift in investment focus from banks to real estate developers, as lower rates could compress banks' net interest margins [9][10] - The influx of non-local students and the government's plan to increase their enrollment may further stimulate rental demand, supporting rental prices in the housing market [10][11] Group 3 - The overall sentiment in the market remains optimistic for the long-term performance of Hong Kong stocks, particularly in sectors like technology, consumer goods, and healthcare, which are expected to benefit from the interest rate cuts [8][9] - The potential for further interest rate reductions in Hong Kong is anticipated, as the market expects a continued easing of monetary policy [11]