與供樓息息相關的銀行同業拆息(Hibor)，9月12日最新報4.62%，如果以H+1.3%按揭劃計算，實際按息為5.92%。如果以貸款額500萬及30年還款期計算，每月供款額為$29,721，壓力測試要求為$60,683。
香港1個月銀行同業拆息走勢圖：
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香港銀行同業拆息走勢：
|
日期 |
最新1個月Hibor |
升跌 |
Ｈ按息率 |
實際按息 |
每月供款 |
|---|---|---|---|---|---|
|
12/9/2023 |
4.62% |
0.33% |
H+1.3% |
5.92% |
HK$29,721 |
|
11/9/2023 |
4.29% |
0.06% |
H+1.3% |
5.59% |
HK$28,672 |
|
7/9/2023 |
4.23% |
0.07% |
H+1.3% |
5.53% |
HK$28,484 |
|
6/9/2023 |
4.17% |
0.14% |
H+1.3% |
5.47% |
HK$28,295 |
|
5/9/2023 |
4.03% |
0.34% |
H+1.3% |
5.33% |
HK$27,858 |
|
4/9/2023 |
3.69% |
-0.03% |
H+1.3% |
4.99% |
HK$26,811 |
|
31/8/2023 |
3.72% |
-0.04% |
H+1.3% |
5.02% |
HK$26,902 |
|
30/8/2023 |
3.76% |
0.01% |
H+1.3% |
5.06% |
HK$27,025 |
|
29/8/2023 |
3.75% |
-0.06% |
H+1.3% |
5.05% |
HK$26,994 |
|
28/8/2023 |
3.82% |
-0.18% |
H+1.3% |
5.12% |
HK$27,209 |
|
25/8/2023 |
4.00% |
-0.24% |
H+1.3% |
5.30% |
HK$27,765 |
|
24/8/2023 |
4.24% |
-0.12% |
H+1.3% |
5.54% |
HK$28,515 |
|
23/8/2023 |
4.35% |
-0.03% |
H+1.3% |
5.65% |
HK$28,862 |
|
22/8/2023 |
4.38% |
-0.14% |
H+1.3% |
5.68% |
HK$28,957 |
|
21/8/2023 |
4.52% |
-0.11% |
H+1.3% |
5.82% |
HK$29,401 |
|
18/8/2023 |
4.63% |
-0.08% |
H+1.3% |
5.93% |
HK$29,753 |
|
17/8/2023 |
4.63% |
-0.08% |
H+1.3% |
5.93% |
HK$29,753 |
|
16/8/2023 |
4.71% |
-0.05% |
H+1.3% |
6.01% |
HK$30,010 |
|
15/8/2023 |
4.76% |
0.04% |
H+1.3% |
6.06% |
HK$30,171 |
|
14/8/2023 |
4.76% |
0.04% |
H+1.3% |
6.06% |
HK$30,171 |
|
11/8/2023 |
4.72% |
-0.04% |
H+1.3% |
6.02% |
HK$30,042 |
|
10/8/2023 |
4.76% |
-0.15% |
H+1.3% |
6.06% |
HK$30,171 |
|
9/8/2023 |
4.91% |
-0.30% |
H+1.3% |
6.21% |
HK$30,656 |
|
8/8/2023 |
5.21% |
0.01% |
H+1.3% |
6.51% |
HK$31,636 |
|
7/8/2023 |
5.20% |
-0.06% |
H+1.3% |
6.50% |
HK$31,603 |
|
4/8/2023 |
5.26% |
-0.10% |
H+1.3% |
6.56% |
HK$31,801 |
|
3/8/2023 |
5.36% |
-0.07% |
H+1.3% |
6.66% |
HK$32,131 |
|
2/8/2023 |
5.43% |
0.12% |
H+1.3% |
6.73% |
HK$32,363 |
|
1/8/2023 |
5.31% |
0.02% |
H+1.3% |
6.61% |
HK$31,966 |
|
31/7/2023 |
5.29% |
0.02% |
H+1.3% |
6.59% |
HK$31,900 |
|
28/7/2023 |
5.27% |
0.02% |
H+1.3% |
6.57% |
HK$31,834 |
|
27/7/2023 |
5.25% |
0.12% |
H+1.3% |
6.55% |
HK$31,768 |
|
26/7/2023 |
5.13% |
0.06% |
H+1.3% |
6.43% |
HK$31,374 |
|
25/7/2023 |
5.06% |
-0.08% |
H+1.3% |
6.36% |
HK$31,144 |
|
24/7/2023 |
5.14% |
-0.05% |
H+1.3% |
6.44% |
HK$31,406 |
|
21/7/2023 |
5.19% |
-0.02% |
H+1.3% |
6.49% |
HK$31,571 |
|
20/7/2023 |
5.21% |
0.11% |
H+1.3% |
6.51% |
HK$31,636 |
|
19/7/2023 |
5.10% |
0.07% |
H+1.3% |
6.40% |
HK$31,275 |
|
18/7/2023 |
5.03% |
0.07% |
H+1.3% |
6.33% |
HK$31,046 |
|
14/7/2023 |
4.96% |
0.02% |
H+1.3% |
6.26% |
HK$30,818 |
|
13/7/2023 |
4.94% |
-0.03% |
H+1.3% |
6.24% |
HK$30,753 |
|
12/7/2023 |
4.97% |
0.00% |
H+1.3% |
6.27% |
HK$30,851 |
|
11/7/2023 |
4.97% |
-0.04% |
H+1.3% |
6.27% |
HK$30,851 |
|
10/7/2023 |
5.00% |
-0.05% |
H+1.3% |
6.30% |
HK$30,949 |
|
7/7/2023 |
5.06% |
0.02% |
H+1.3% |
6.36% |
HK$31,144 |
|
6/7/2023 |
5.04% |
0.08% |
H+1.3% |
6.34% |
HK$31,079 |
|
5/7/2023 |
4.97% |
0.04% |
H+1.3% |
6.27% |
HK$30,851 |
|
4/7/2023 |
4.93% |
0.00% |
H+1.3% |
6.23% |
HK$30,721 |
|
3/7/2023 |
4.93% |
-0.01% |
H+1.3% |
6.23% |
HK$30,721 |
拆息FAQS
甚麼叫拆息？
拆息又稱為銀行同業拆息，不同國家或城市會有不同拆息，例如香港叫做HIBOR(Hong Kong Interbank Offered Rate)，上海銀行同業拆息就叫SHIBOR（Shanghai Interbank Offered Rate），倫敦的銀行同業拆息為LIBOR（London Interbank Offered Rate）。
香港銀行同業拆息分幾多種？
拆息分為隔夜、1星期、2星期、1個月、2個月、3個月、6個月及12個月，通常時間愈長，息率愈高。而樓宇按揭採用的H按，一般採用1個月銀行同業拆息計算。
香港銀行同業拆息高低與H按有甚麼關係？
當香港處於減息周期，大部份供樓人士均會選用以銀行同業拆息為基準的Ｈ按供樓，能夠以封頂息／鎖息上限以下的利率供樓。當香港拆息高企，H按供樓人士便要依靠按揭計劃中鎖息上限的利率供樓。
另外，加息周期期間，由於H按的鎖息上限是以「P-百分比」計算，當銀行調高最優惠利率，鎖息上限也會調升，每月供款會隨之增加。
拆息高低與P按有甚麼關係？
使用P按供樓的人士是以「P-百分比」供樓，當處於減息周期，每月供款會較為穩定，當處於加息周期時，由於銀行有機會調高最優惠利率，P按供樓人士的每月供款也會相應增加。
為5.23% （更新：9月22日） | 理財教室 | 經絡按揭轉介 | mReferral Mortgage Brokerage Services', '與供樓息息相關的銀行同業拆息(Hibor)，9月22日最新報5.23%，如果以H+1.3%按揭劃計算，實際按息為6.53%。如果以貸款額500萬及30年還款期計算，每月供款額為$31,702，壓力測試要求為$64,253。', 'images/share.jpg');){kind=link}
為5.23% （更新：9月22日） | 理財教室 | 經絡按揭轉介 | mReferral Mortgage Brokerage Services', '與供樓息息相關的銀行同業拆息(Hibor)，9月22日最新報5.23%，如果以H+1.3%按揭劃計算，實際按息為6.53%。如果以貸款額500萬及30年還款期計算，每月供款額為$31,702，壓力測試要求為$64,253。', 'images/share.jpg');){kind=link}