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经络：7月份经络按揭息率指数报3.17% 按月持平

智通财经
Yesterday

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7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3.17%，按月持平。经络按揭转介首席副总裁曹德明表示，7月份有逾两成半客户选用大型银行2.73%定息按揭计划，使MMI仍处于近一年的低位。

曹续指，7月份美国消费者物价指数(CPI)按年增长3.4%，创下4个月的低位，核心CPI则按年增长2.5%，两者升幅均符合市场预期。通胀数据有所回落，减低即时加息的压力，预计美联储下月议息会议将按兵不动。香港方面，今日一个月HIBOR报2.69%，预计短期内将在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%，短期内仍难以跌破封顶位。

三间大型银行推出的2.73%定息按揭计划，其息率较一般新造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，因此近期受不少新造按揭客户及转按客户选用，料8月份定按选用比例仍有上升空间。不过，三间银行定按计划的申请日期将于本月截止，有个别银行虽延长一手市场的定按申请日期至9月30日，但因定按适用范围有所收窄，料选用该计划的客户将会下降，其后MMI亦将跟随回升。

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