The interest rate will fall back to the lower limit of H.

The Hong Kong dollar interest rate fell back, making H reappear on a low interest rate advantage. According to the news, there are medium-sized banks that cut H at the second time in the month. According to the capped rate, more than 10 million large-scale buildings can be granted a maximum interest of 2.275% according to the capped interest rate, which is the most flat in the territory.

The pace of interest rate hikes in the United States has slowed down, and the pressure on banks in Hong Kong has been alleviated. Many banks have launched rushing to attack the offensive in recent months, including lowering H, according to the capping rate, raising cash rebates, and increasing the amount of rebates, so that the mortgage war will heat up again.

Two interest rate cuts in a month, a total of 0.2%

It is understood that a medium-sized bank in Hong Kong followed the large banks last month to adjust the interest rate of H to 2.375% from 2.475% to 2.375%. In order to maintain competitiveness, it has recently approved a cap of interest rate of 2.275 cents. In other words, a two-year rate cut of 0.2% in one month.

It is reported that the atmosphere of the bank’s stock market has improved slightly. In order to retain the original high-quality customers and attract new high-end customers, the loan amount of the building is higher than 10 million yuan, and there is a chance to obtain the minimum cap rate of 2.275%. Leading banks now offer H at 2.375%, down about 0.1%.

In addition, if the owner’s savings in the bank account is more than $1 million, the loan threshold can be lowered to $3 million. The above-mentioned capping interest is also considered. Apart from the one-hand and second-hand property mortgages, the extension is extended to Application.

After borrowing 10 million yuan, the monthly savings will be 1,000 yuan.

The rate hike cycle in Hong Kong has not yet ended. If the interest rate is more than 1%, most of the landlords will have to use the capping rate as a contribution. Therefore, the capping rate will also have a rate-reduction effect, which will reduce the landlord’s mortgage payment. Assume that the loan amount is 10 million yuan, and the repayment period is 30 years. If the top-end contribution is 2.475 percent, the monthly repayment amount is 39,382 yuan. However, if the capping rate is low at 2.275%, the monthly supply will be reduced to $38,352, which will save the owner about $1,000 in contributions.

In fact, the reversal of the interest rate has enabled H to reproduce at a low interest rate. According to the current bank’s minimum H plus 1.235%, the one-month interest rate for yesterday is 0.976%, and the actual interest rate is about 2.211%, which is provided by the market bank. Comparing the interest rates of the caps, the spread between the two has widened to about 0.16% to 0.26%, which has led individual banks to choose to cut the top-end interest rate as a “small”.

Large banks have a strong deposit base. Some people in the industry believe that although the US interest rate hike has slowed down, the chances of a “turning around” interest rate cut during the year are not large. The HKMA has repeatedly mentioned that the economy still has downside risks. Hong Kong banks will call back the best concessions in the short term. Interest rates (P) are unlikely. Banks need to be cautious in risk management. The interest rate is reduced. In order to avoid triggering the “issuing” of regulators, it is believed that it may not be able to promote the follow-up of other medium and large banks. It is expected that the cash rebate will be used to attract customers.