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<HK Home>mReferral Predicts HIBOR to Hover Between 2-3% in Early 2026, Actual Mortgage Rate to Remain at 3.25% in ST
The aggregate balance of Hong Kong's banking system remains at approx. $53.9 billion, and the US rate cut is relatively conservative, limiting the room for HIBOR to fall, mRefe...
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<HK Home>mReferral Predicts HIBOR to Hover Between 2-3% in Early 2026, Actual Mortgage Rate to Remain at 3.25% in ST
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The aggregate balance of Hong Kong's banking system remains at approx. $53.9 billion, and the US rate cut is relatively conservative, limiting the room for HIBOR to fall, mReferral Mortgage Brokerage Services' director of operations, Cheung Yee-hei, said.

It is predicted that HIBOR will generally hover between 2-3% in early 2026. Based on the typical new H mortgage plan of H+1.3%, H mortgage owners will still need to pay at the cap rate of 3.25% in the short term.

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