Core Viewpoint - The Hong Kong Interbank Offered Rate (HIBOR) is expected to remain in the range of 2% to 3% in the first half of the year, with mortgage borrowers needing to pay a capped interest rate of 3.25% in the short term [1] Group 1: Interest Rates and Market Conditions - The Federal Reserve has maintained its benchmark interest rate between 3.5% and 3.75%, while HSBC has kept its prime rate unchanged at 5% [1] - The total surplus in the Hong Kong banking system is approximately HKD 53.8 billion, limiting the downward potential for HIBOR [1] - Unless there is a significant influx of funds that drives HIBOR below 1.95%, actual mortgage rates and monthly payments are unlikely to decrease further [1] Group 2: Mortgage Market Outlook - Some banks are actively seeking to increase their mortgage business in the first half of the year by raising rebates and incentives to attract quality customers [1] - The mortgage market is expected to stabilize and trend upwards by 2026 as the property market improves [1]
经络料香港上半年HIBOR徘徊2至3厘 H按封顶3.25厘
Sou Hu Cai Jing·2026-01-29 05:08