花旗发表研报指，港元兑美元触及7.75强方兑换保证，促使金管局出手干预，向市场注入资金，令香港银行体系结余从4月底的450亿元增至5月8日的约1,740亿元，流动性增加推动香港银行同业拆息(HIBOR)下降。截至5月8日，一个月期HIBOR已降至2.09%，月内累计下降1.86个百分点，花旗认为可能会为银行净息差带来短期压力，一个月HIBOR低于2.2%，更可能导致按揭贷款息口重新定价。
根据花旗估算，本港利率每下降25点子，恒生(00011.HK) 及中银香港(02388.HK) 的税前利润将面临1.3%及2.1%的下行压力，而汇丰银行及渣打将面对0.3%及0.2%的负面影响。倘若最优惠利率(Prime Rate)按揭“封顶位”失守，花旗预期恒生、中银香港、汇丰及渣打盈利的负面影响将扩大至4.9%、4.5%、1.1%及1.2%。(gc/a)(港股报价延迟最少十五分钟。沽空资料截至 2025-05-09 16:25。)
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