金吾财讯 | 美联储维持利率不变，港银最优惠利率(P)亦按兵不动，星之谷按揭转介行政总裁庄锦辉表示，结果符合预期，而市场对利率的焦点已由最优惠利率转至拆息(Hibor)，由于与供楼相关的一个月 Hibor 近期沉低，主流业主都持续受惠。庄锦辉指出，自5月起一个月拆息(Hibor)持续下跌，其中6月的 Hibor 持续低于1%，以今日(6月19日)为例，一个月 Hibor 为0.54%，实际按息低见1.84%，距离封顶息3.5%差距进一步拉大，以500万港元贷款额、30年还款期计算，最新每月供款较封顶息减少约4369港元。连同上个月的息口同样低于封顶息，累计减少供款达6805港元，相信大部分家庭的供楼压力都大大减轻。他展望拆息仍会在低位持续一段时间，长远 Hibor 则有机会在1.5至2%之间徘徊。不过提醒有意置业人士，银行审批新造按揭仍然以 H 按封顶息计算供款与入息比率，入市前要计算清楚收入是否能过关。又认为银行如下调封顶息，楼市会进一步畅旺。
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