智通财经APP获悉，经络按揭转介首席副总裁曹德明表示，近月港元持续触发“弱方兑换保证”，香金管局今晨第七度入市买港元，银行体系总结余将跌至825.52亿港元，银行体系总结余持续回落，使HIBOR近月反复回升。虽然HIBOR走势反复，不过美联储有机会于四季度首次降息，届时或会有资金流入香港市场，缓和港元拆息上升压力；美国“大而美”法案通过后，市场认为部分资金或流向亚洲区市场，预计香港银行会根据自身商业策略，不排除下调最优惠利率，届时预计HIBOR亦有机会跟随回落。
7月31日，汇丰银行宣布最优惠利率(P)维持不变。曹德明称，香港银行于去年三度下调最优惠利率，幅度及速度均高于市场预期，银行因应美息走势以及资金成本考量，未有调整最优惠利率。
今日一个月HIBOR报1.03%，预计HIBOR或挑战1.5%水平。曹德明指，虽然HIBOR升至1%水平，以普遍H按计划“H+1.3%”计算，H按实际按息为2.33%，仍较封顶息率3.5%低出1.17%。对于目前正在供楼的业主，只要HIBOR维持2.2%以下，仍可以低于封顶息率供楼。
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.