07 Sep 2021

1個月拆息報0.07厘 實際供樓利率1.47厘

與供樓相關的港元1個月同業拆息（HIBOR）最新報0.07厘，較對上一個交易日維持不變。以目前大型銀行H按息率全期H加1.4厘計，實際供樓利率約1.47厘，每月供款低於1.6萬元。

若果以400萬元貸款額，年期25年，業主最新每個月供款15,941元，對比H按封頂息2.5厘的每月供款17,936元，低1,995元或11.1%。

至於3個月拆息最新報0.14厘，跟對上一個交易日維持不變。

The latest one-month inter bank interest rate (HIBOR) of Hong Kong dollar related to mortgages was reported at 0.07%, which remained unchanged from the previous trading day. Based on the current large bank H's interest rate of H plus 1.4% for the whole period, the actual mortgage interest rate is about 1.47%, and the monthly payment is less than $16,000.

If the loan amount is HK$4 million and the term is 25 years, the owner's latest monthly payment is HK$15,941, which is $1,995 or 11.1% lower than H's monthly payment of HK$17,936 with a capped interest of 2.5%.

As for the latest report of the 3-month interest rate of 0.14%, it remains unchanged from the previous trading day.