香港加息|滙豐又加P!最優惠利率上調至5.875厘 500萬樓按每月供多$351

文: U Magazine
2023.07.27

美國聯儲局加息0.25厘,匯豐銀行亦宣布跟隨加息,不過未有跟足,只上調0.125厘,即是最優惠利率(P)由5.75厘調高至5.875厘,於7月28日起生效。

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匯豐銀行於7月28日調高最優惠利率至5.875厘,雖然不少專家都表示較預期低,但仍創15年半新高,滙豐自2022年9月開始共加息5次,累計達0.875厘。

假設想貸款額500萬,年期為30年,以現時一般按揭計劃P-2.25%計算,滙豐銀行未加息前P為5.75%,每月供款為$22,452;加息後P為5.875%,實際息率增至3.625%,每月供款增加$351至$22,803,每月供款的變化不算太大。

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