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星之谷按揭:香港银行此次减息幅度不大 料年内尚有一次减息机会
智通财经网· 2025-09-18 06:12
Core Viewpoint - The Federal Reserve has announced a 25 basis point interest rate cut, but major banks in Hong Kong, including HSBC, have not followed suit, with HSBC only making a symbolic reduction of the Hong Kong dollar prime rate by 0.125% from 5.25% to 5.125% [1] Group 1 - The actual mortgage interest rate for new loans has decreased slightly from 3.5% to 3.375% following the prime rate cut, resulting in a minimal monthly payment reduction of HKD 69 for a HKD 1 million loan over 30 years [1] - For a HKD 5 million loan, the monthly savings amount to HKD 345, indicating a limited impact on borrowers despite the rate cut [1] - Market expectations suggest that the Federal Reserve may implement one to two more rate cuts within the year, but local banks in Hong Kong may be nearing the end of their rate reduction cycle due to the prime rate being close to historical lows [1] Group 2 - Despite limited room for further reductions in the prime rate, competition among banks for mortgage business remains intense, with expectations that banks may lower capped rates or increase cash rebates to attract customers [2] - It is advised that homeowners who plan to purchase property or have not refinanced in the next two to three years should actively evaluate their mortgage plans to benefit from lower effective rates and higher cash rebates [2]