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]

Core Viewpoint - The Hong Kong interbank overnight lending rate has dropped by 190 basis points, marking the largest decline since May [1] Group 1 - The decrease in the Hong Kong dollar overnight interbank rate indicates a significant shift in the liquidity conditions within the banking sector [1]

Core Viewpoint - The offshore RMB Hong Kong Interbank Offered Rate (CNH HIBOR) has seen a majority of its rates increase, indicating a tightening liquidity environment in the Hong Kong banking sector [1] Group 1: Interest Rate Movements - The overnight HIBOR rose by 12 basis points to 1.50000%, moving away from a three-week low [1] - The one-week HIBOR slightly increased to 1.64576%, recovering from a two-week low [1] - The two-week HIBOR also increased to 1.63758% [1] - The one-year HIBOR remained unchanged at a record low of 1.87242% [1] Group 2: Liquidity Usage - The Hong Kong Monetary Authority (HKMA) has utilized over 50% of the 200 billion RMB in its overnight repurchase agreement liquidity [1]