Group 1 - The Hong Kong interbank offered rates (HIBOR) generally increased, with the overnight rate reported at 3.85667%, up by 78.203 basis points [1] - The one-week HIBOR decreased by 5.881 basis points to 3.44077%, while the two-week rate fell by 6.595 basis points to 3.38191% [1] - The one-month HIBOR stopped its decline and rose by 1.375 basis points to 3.42911% [1] Group 2 - The three-month HIBOR increased by 0.799 basis points to 3.54899%, reflecting the cost of bank funding [1] - The six-month HIBOR rose by 0.214 basis points to 3.44756%, and the one-year rate increased by 2.69 basis points to 3.40077% [1]

Core Points - The Hong Kong interbank offered rates (HIBOR) have generally decreased, with the overnight rate reported at 3.07464%, down by 19.215 basis points [1] - The one-week HIBOR fell by 5.286 basis points to 3.49958%, while the two-week rate decreased by 2.726 basis points to 3.44786% [1] - The one-month HIBOR, which is relevant to mortgage rates, has dropped for two consecutive days to 3.41536%, down by 2.202 basis points [1] - The three-month HIBOR is reported at 3.541%, a decrease of 1.537 basis points [1] - In contrast, the six-month HIBOR increased by 0.78 basis points to 3.44542%, and the one-year rate rose by 3.077 basis points to 3.37387% [1] Summary by Category Overnight and Short-term Rates - The overnight HIBOR is at 3.07464%, down 19.215 basis points [1] - The one-week HIBOR is at 3.49958%, down 5.286 basis points [1] - The two-week HIBOR is at 3.44786%, down 2.726 basis points [1] One-month and Related Rates - The one-month HIBOR is at 3.41536%, down 2.202 basis points, marking a two-day decline [1] Longer-term Rates - The three-month HIBOR is at 3.541%, down 1.537 basis points [1] - The six-month HIBOR increased to 3.44542%, up 0.78 basis points [1] - The one-year HIBOR is at 3.37387%, up 3.077 basis points [1]

Core Viewpoint - The Hong Kong interbank offered rates (HIBOR) showed mixed developments on October 28, with the one-month HIBOR related to mortgage loans declining, while the overnight rate increased significantly [1]. Group 1: Interest Rate Movements - The one-month HIBOR related to mortgages decreased to 3.43738%, down by 6.262 basis points [1]. - The three-month HIBOR, reflecting bank funding costs, reported at 3.55637%, a decrease of 3.625 basis points [1]. - The overnight rate increased to 3.26679%, up by 33.429 basis points [1]. - The one-week HIBOR rose by 8.482 basis points to 3.55244%, while the two-week rate fell by 1.78 basis points to 3.47512% [1]. - The six-month HIBOR increased slightly by 1.845 basis points to 3.43762%, whereas the one-year rate decreased by 1.107 basis points to 3.34310% [1]. Group 2: HIBOR Rates Summary - The following are the HIBOR rates as of October 28: - Overnight: 3.26679 - One Week: 3.55244 - Two Weeks: 3.47512 - One Month: 3.43738 - Two Months: 3.51536 - Three Months: 3.55637 - Six Months: 3.43762 - Twelve Months: 3.34310 [2].

| 到期日 | 港元利息结算率 | | --- | --- | | 陽夜 | 2.91345 | | 1 星期 | 3.27357 | | 2 星期 | 3.50423 | | 1 个月 | 3.47292 | | 2 个月 | 3.47982 | | 3个月 | 3.57268 | | 6 个月 | 3.41321 | | 12 个月 | 3.33405 | 智通财经APP获悉，10月24日，港元拆息普遍向下，而与楼按相关的一个月拆息报3.47292%，跌6.803 基点;反映银行资金成本的三个月拆息报3.57268%，跌4.125基点。 隔夜息报2.91345%，跌12.607基点;一周拆息跌20.012基点，报3.27357%，两周则跌9.059基点，报 3.50423%。长息方面，六个月拆息跌2.631基点，报3.41321%，一年期则升0.893基点，报3.33405%。 ...

智通财经APP获悉，10月23日，港元拆息个别发展，而与楼按相关的一个月拆息由跌转升报3.54095%， 升0.91基点;反映银行资金成本的三个月拆息报3.61393%，跌0.375基点。 隔夜息报3.03952%，跌13.643基点;一周拆息跌2.202基点，报3.47369%，两周则跌2.845基点，报 3.59482%。长息方面，六个月拆息升2.886基点，报3.43952%，一年期则升1.756基点，报3.32512%。 | 香港时间2025-10-23 | | --- | | 上午11时15分的结算率。 | | 到期日 | 港元利息结算率 | | --- | --- | | 隔夜 | 3.03952 | | 1 星期 | 3.47369 | | 2 星期 | 3.59482 | | 1 个月 | 3.54095 | | 2 个月 | 3.54452 | | 3个月 | 3.61393 | | 6个月 | 3.43952 | | 12 个月 | 3.32512 | ...

智通财经APP获悉，10月22日，港元拆息全线向下，而与楼按相关的一个月拆息报3.53185%，跌13.226 基点，终止四连升;反映银行资金成本的三个月拆息报3.61768%，跌6.911基点。 隔夜息报3.17595%，跌66.596基点;一周拆息跌25.036基点，报3.49571%，两周则跌15.417基点，报 3.62327%。长息方面，六个月拆息跌3.369基点，报3.41066%，一年期则跌2.232基点，报3.30756%。 （原标题：港元拆息全线向下 一个月息终止四连升） ...

| 香港时间2025-10-21 | | | --- | --- | | | 上午11时15分的结算率。 | | 到期日 | 港元利息结算率 | | 陽夜 | 3.84191 | | 1 星期 | 3.74607 | | 2 星期 | 3.77744 | | 1 个月 | 3.66411 | | 2 个月 | 3.65452 | | 3个月 | 3.68679 | | 6个月 | 3.44435 | | 12 个月 | 3.32988 | 隔夜息报3.84191%，升5.798基点;一周拆息升4.631基点，报3.74607%，两周则升6.506基点，报 3.77744%。长息方面，六个月拆息升1.375基点，报3.44435%，一年期则跌0.036基点，报3.32988%。 智通财经APP获悉，10月21日，港元拆息普遍向上，而与楼按相关的一个月拆息报3.66411%，升8.554 基点，连升四日;反映银行资金成本的三个月拆息报3.68679%，升8.066基点。 ...

智通财经APP获悉，10月20日，港元拆息全线向上，而与楼按相关的一个月拆息连升三日，升4.69基 点，报3.57857%，创10月6日后最高;反映银行资金成本的三个月拆息报3.60613%，升1.44基点。 隔夜息报3.78393%，升16.869基点;一周拆息升16.786基点，报3.69976%，两周则升18.048基点，报 3.71238%。长息方面，六个月拆息升0.143基点，报3.4306%，一年期则升0.084基点，报3.33024%。 | 到期日 | 港元利息结算率 | | --- | --- | | 陽夜 | 3.78393 | | 1 星期 | 3.69976 | | 2 星期 | 3.71238 | | 1 个月 | 3.57857 | | 2个月 | 3.54714 | | 3个月 | 3.60613 | | 6个月 | 3.43060 | | 12 个月 | 3.33024 | ...

| 到期日 | 港元利息結算率 | | --- | --- | | 隔夜 | 3.34476 | | 1 星期 | 3.37232 | | 2 星期 | 3.41429 | | 1 個月 | 3.42417 | | 2 個月 | 3.43810 | | 3 個月 | 3.53066 | | 6 個月 | 3.40000 | | 12 個月 | 3.32250 | 智通财经APP获悉，10月15日，港元拆息全线向下，而与楼按相关的一个月拆息报3.42417%，跌8.006 基点;反映银行资金成本的三个月拆息报3.53066%，跌4.16基点。 隔夜息报3.34476%，跌21.917基点;一周拆息跌11.345基点，报3.37232%，两周则跌7.148基点，报 3.41429%。长息方面，六个月拆息跌3.714基点，报3.4%，一年期则跌4.286基点，报3.3225%。 ...

| Maturity | HKD Interest Settlement Rates | | --- | --- | | Overnight | 3.56393 | | 1 Week | 3.48577 | | 2 Weeks | 3.48577 | | 1 Month | 3.50423 | | 2 Months | 3.51464 | | 3 Months | 3.57226 | | 6 Months | 3.43714 | | 12 Months | 3.36536 | 长息方面，六个月拆息升3.714基点，报3.43714%，一年期则升3.905基点，报3.36536%。 智通财经APP获悉，10月14日，港元拆息普遍上升，隔夜息报3.56393%，跌3.178基点；一周拆息升6.16 基点，报3.48577%，两周则升6.256基点，报3.48577%。而与楼按相关的一个月拆息报3.50423%，升 6.399基点，终止四连跌；反映银行资金成本的三个月拆息报3.57226%，升4.905基点。 ...