[Property market analysis]Hong Kong will follow the US to raise interest rates? What is the impact of interest rate hikes on the property market? | Hong Kong 香港



The pace of interest rate hikes in the United States has not stopped. How should the general public digest market information? In the near future, will Hong Kong banks raise interest rates following the US? In the face of increasing mortgage payments, which mortgage plans on the market can protect themselves to ease the pressure of interest rate hikes? Hear expert opinions now! Liu Yuanyuan, chief vice president of Jingluo Mortgage Referral, pointed out that the Hong Kong mortgage interest rate is closely related to the US federal funds rate. When the US interest rate rises, Hong Kong’s interest rate also rises because the US dollar is closely related to the Hong Kong dollar. Anyone who pays attention to the Hong Kong economy knows that the United States has raised interest rates since 2015. By 2018, Hong Kong still has not raised interest rates. The last interest rate hike cycle was from 2004 to 2006. The U.S. has continuously increased interest rates by more than 4%, but Hong Kong still did not raise interest rates immediately. Will it really not raise interest rates? As I said earlier, the direction is inevitable and will definitely follow. Therefore, we expect that Hong Kong will need to raise interest rates in 2018, or at the end of 2018 at the latest. The interest rate differential between the two cannot keep widening, or the United States keeps increasing and Hong Kong does not follow. Therefore, we expect the interest rate in 2018 to increase from the current average of 2.15% to a level close to 2.5%, an increase of about half a%. As mentioned in the previous example, the impact of a half-percent increase is actually not significant, and the contribution amount may only increase by a few hundred dollars. However, it is worth noting that the direction of Hong Kong’s interest rate hike is inevitable and must be directed. It is only in terms of time, whether it will happen within 6 months or until 2019. Now on ” HongKongFloorPlans”: Subscribe to ” HongKongFloorPlans” YouTube channel: Like ” HongKongFloorPlans” Facebook page: Follow ” HongKongFloorPlans” Instagram:.

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