Tiger Brokers

经络：3月份经络按揭息率指数报3.21% 创8个月新低

智通财经
Apr 27

智通财经APP获悉，根据经络按揭转介研究部最新数据显示，2026年3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3.21%，按月微跌2点子，连跌两个月，创8个月新低。经络按揭转介首席副总裁曹德明表示，3月份选用大型银行2.73%定息按揭计划的客户比例有所增加，使当月份MMI亦轻微回落。

目前美国劳动市场及失业率尚未出现加速恶化的迹象，加上受地缘政治问题影响，曹德明预计美联储本周议息会议将按兵不动。香港方面，今日一个月HIBOR报2.46%，HIBOR走势将取决于美国息口及资金流向，预计HIBOR将继续于2%至3%之间反复徘徊，普遍新造H按的实际息率将维持在3.25%左右。若资金再流入香港，HIBOR才有机会反复挑战2%以下的水平。

曹续指，地缘政治局势仍然不明朗，受不确定因素影响，息口走势尚待观察。普遍新造H按的实际息率短期内仍难以跌破封顶位。不过，目前已有三间大型银行推出低息定息按揭计划，首三年按息固定为2.73%，息率较现时一般新造P按及H按计划的3.25%低52点子，可即时节省更多利息开支，预计仍有一定捧场客采用此计划，包括部分非固定收入人士或长线投资人士，料MMI仍有回落空间。

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