Group 1 - The Federal Reserve has maintained the federal funds rate at 3.5% to 3.75%, aligning with market expectations, while HSBC has kept its prime rate at 5%, indicating that other banks are likely to follow suit [1] - The current mortgage interest rate in Hong Kong is primarily at 3.25%, down from 4.125% before the interest rate cut cycle began in September 2024, providing significant relief for homeowners [2] - The average rental yield in the Hong Kong property market is currently at 3.5%, which is higher than the mortgage interest rate of 3.25%, suggesting potential for property price recovery and increased market activity [3] Group 2 - The expectation is that the U.S. will continue to lower interest rates this year, which could further reduce Hong Kong's interbank offered rate (HIBOR), benefiting banks by easing funding costs [1][2] - The current one-month HIBOR has decreased from an average of 3.5% in October last year to 2.65%, but it still needs to drop below 1.95% for further reductions in mortgage rates [2] - Positive factors such as stable stock market performance and increased demand for stable returns are expected to continue driving property market transactions in Hong Kong [3]
中原按揭：年内港元拆息料有所回落 多重利好因素巩固香港楼市处于上升轨道
智通财经网·2026-01-29 06:28