Core Insights - The Hong Kong Monetary Authority (HKMA) reported a decrease in the composite interest rate to 1.26% at the end of June 2025, down 35 basis points from 1.61% at the end of May 2025 [1] Summary by Category Interest Rates - The composite interest rate reflects the average funding cost for banks and has decreased significantly in June 2025 [1] - The reduction in the composite interest rate is primarily attributed to a decrease in the weighted funding cost of deposits during the month [1]