智通财经APP获悉，根据mReferral(经络)抵押贷款推荐研究部门的最新数据，2026年6月的mReferral抵押贷款利率指数(MMI)反映新贷款客户通常可用的实际利率，目前为3.17%，环比下降2个基点，连续两个月下跌，创下11个月新低。Mremlon抵押贷款推荐公司首席副总裁曹德明表示，6月份选择主要银行2.73%固定利率抵押贷款计划的客户比例上升，超过20%，导致当月MMI下降。
曹德明还指出，6月份美国消费者价格指数同比上涨3.5%，核心CPI同比上涨2.6%，均低于市场预期。他预计美联储本周的政策会议将保持不变。在香港，今天一个月的HIBOR利率为2.72%。预计短期利率将继续在2%至3%之间波动。新HIBOR抵押贷款的实际利率通常将保持在3.25%，使价格短期内难以突破上限。然而，目前两大银行提供2.73%的固定利率抵押贷款计划，其利率比新的P型抵押贷款和HIBOR抵押贷款计划的3.25%低52个基点，从而立即节省利息支出，吸引非固定收入个人、长期投资者及再融资者。目前，这三家银行都已将固定利率抵押贷款计划的申请截止日期延长至今年8月31日。预计选择固定利率抵押贷款计划的客户数量将持续增加，其采用率可能接近30%，这将推动MMI持续下降。
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