Group 1 - The Federal Reserve has recently announced a rate cut of 0.25%, impacting the Hong Kong interbank offered rate (HIBOR) [1] - The latest one-month HIBOR related to mortgage loans is reported at 3.13%, an increase of 15 basis points from the previous trading day [1] - With the current large bank mortgage interest rate set at H plus 1.3%, the mortgage interest rate stands at 4.43%, which is above the capped interest rate of 3.25% [1] Group 2 - Homeowners are likely to use the capped interest rate of 3.25% for mortgage calculations due to the current rates [1] - For a loan amount of 4 million HKD over a 25-year term at an interest rate of 3.25%, the monthly repayment is calculated to be 19,493 HKD [1] - The three-month HIBOR is reported at 3.09%, an increase of 10 basis points from the previous trading day [1]