智通财经APP获悉，根据经络按揭转介研究部最新数据显示，2025年12月份的经络按揭息率指数(MMI)，即反映普遍按揭新客户一般可做到的实际按息水平，最新报3.25%，按月下跌6点，连跌3个月，创5个月新低。
经络按揭转介首席副总裁曹德明表示，大部分新造按揭业主倾向选用H按计划，而香港银行分别于去年9月份及10月份下调最优惠利率(P)，合共减息0.25%，新造H按封顶息率已回落至现时的3.25%，使MMI跟随回落。
曹德明表示，目前美国劳动市场未有加速恶化，料美联储下周议息会议将按兵不动。香港方面，今日一个月HIBOR报2.79%，HIBOR走势将取决于美国利率及资金流向，预计HIBOR上半年将反复徘徊2%至3%水平，普遍新造H按的实际息率将维持3.25%水平。若再有资金流入香港，HIBOR才有机会反复挑战2%以下水平，届时H按业主或有机会以低于封顶息率供楼，MMI亦有机会跟随回调。
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