Group 1 - The 1-month HIBOR has dropped to 0.56%, marking a decline for five consecutive working days and reaching the lowest level since June 15, 2022 [1] - The actual interest rate for H mortgages has fallen to 1.86%, the lowest in nearly three years, providing immediate relief for homeowners [1] - With a loan amount of 5 million HKD over 30 years, the monthly payment at the current H mortgage interest rate of 1.86% is 18,133 HKD, a reduction of 4,319 HKD or 19.2% compared to the capped interest rate of 3.5% [1] Group 2 - The proportion of H mortgage selections has increased to 91.8%, up 1.4% month-on-month, indicating a growing preference for H mortgages as HIBOR declines [2] - The expectation is that H mortgages will dominate the market, with the selection ratio potentially rising to 95% or above due to the recent cessation of fixed-rate plans by major banks [2]