Group 1 - The core finding of the survey indicates that 45% of respondents without property are considering purchasing a home in the coming year, while another 45% are adopting a wait-and-see approach, and 10% plan to continue renting [1] - Among those considering first-time home purchases, over 86.2% intend to buy for self-use [1] Group 2 - The company anticipates that the risk of weakening employment in the U.S. outweighs the risk of rising inflation, predicting a potential preventive interest rate cut by the Federal Reserve in the first half of next year [1] - For Hong Kong, a rate cut cycle is expected from 2024 to 2025, with banks likely to reduce rates five times, totaling 0.875%, bringing the best lending rate back to pre-rate hike levels [1] - The one-month HIBOR in Hong Kong is projected to fluctuate between 2% and 3% in the first half of next year, with the effective interest rate for new mortgages expected to remain at 3.25% [1] - HIBOR trends will depend on U.S. interest rates and capital flows; if more funds flow into Hong Kong, HIBOR may challenge levels below 2%, potentially allowing homeowners to secure loans at rates lower than the capped interest rate [1]
经络：45%未持物业受访者考虑来年首次置业 明年上半年按揭息率维持3.25%
Zhi Tong Cai Jing·2025-12-22 07:53