23 Sep 2022
新造二手按揭利率升至2.725厘 每月供樓比多318元.
The interest rate of new and second-hand mortgages rose to 2.725%, and the monthly mortgage increased by $318.
隨著美國聯儲局宣布加息0.75厘，滙豐銀行宣布，由明天起上調最優惠利率0.125厘，由5厘調升至5.125厘。按照該行新造的二手最優惠利率按揭(P按)實際按息將會增至2.725厘，以按照現時一般上車盤樓價達500至600萬元，每500萬元貸款計算，每月供款增加318元。
由於滙豐正式加息，將P上調至5.125厘，旗下新舊按揭客戶，無論拆息按揭(H按)、P按均會受到影響。
以新造P按為例，現時定價為「P減2.4厘」，由於P由5厘升至5.125厘，令到實際按揭由加息前的2.6厘，亦升至2.725厘。若果以每500萬元貸款額、25年還款期計算，每個月供款將由22,684元增至23,002元，增加318元或1.4%。
至於H按方面，按息為H加1.3厘，但一二手市場的「封頂息」略有不同，一手維持「P減2.5厘」，最新實際按息為2.625厘，月供22,747元，較舊按息多316元；而二手則為「P減2.25厘」，最新實際按揭達2.875厘，月供23,387元，較舊按息多321元。
With the US Federal Reserve announced to raise interest rates by 0.75%, HSBC announced that it will raise the prime rate by 0.125% from tomorrow, from 5% to 5.125%. According to the bank's new second-hand prime rate mortgage (P mortgage), the actual mortgage interest rate will increase to 2.725%. Based on the current general real estate price of $5 to 6 million, for every $5 million loan, the monthly mortgage payment will be increased by $318.
As HSBC officially raised interest rates and raised P to 5.125%, its new and old mortgage customers, regardless of HIBOR mortgages (H mortgages) and P mortgages, will be affected.
Take the newly-made P mortgage as an example, the current price is "P minus 2.4%". Since P increased from 5% to 5.125%, the actual mortgage has risen from 2.6% before the rate hike to 2.725%. If calculated based on the loan amount of $5 million and the repayment period of 25 years, the monthly payment will increase from $22,684 to $23,002, an increase of $318 or 1.4%.
As for the H mortgage, the mortgage interest is H plus 1.3%, but the "cap rate" in the primary and second-hand markets is slightly different. The primary interest remains "P minus 2.5%". The latest actual mortgage interest is 2.625%, and the monthly payment is $22,747, which is higher than The old mortgage interest is more than $316; while the second-hand is "P minus 2.25%", the latest actual mortgage is 2.875%, and the monthly payment is 23,387 yuan, which is $321 more than the old mortgage interest.