The first is whether a blended interest rate for at least four or five years at prime , or marginally below prime , is prudent pricing 首先，究竟在4至5年内，把平均按揭利率维持在最优惠利率或略为低于最优惠利率的水平，是否审慎的定价。
No one could have predicted that the mortgage rate , relative to prime , could come down by over four percentage points - and with cash rebates thrown in 在此之前，无人可以预计按揭利率相对最优惠利率会下降超过4个百分点，而且还有现金回赠。
Major banks followed the announcement by raising their prime rate on business loans by a similar quarter percentage point , to 6 . 25 percent from 6 percent 主要的银行跟随联邦基金利率，表示要同样提高他们的商业借贷的最优惠利率0 . 25 % ，从6 %提高至6 . 25 % 。
With penalties clearly laid down for prepayments within the first four or five years , a mortgage rate close to prime after the first year is at least assured 银行会清楚订明在首4 5年内提前还款的罚则，从而确保至少在第一年后按揭利率会接近最优惠利率。
And it is something that people do look at and are used to , and has long been recognised as the indicator of the level of interest rates in hong kong 尽管从保持货币稳定的角度来看，最优惠利率的意义已不太大，但人们也早已习惯以最优惠利率作为本港利率水平的参考指标。
The cost of funds for banks will increase and yet there is no mechanism to correspondingly increase the interest rate for existing mortgages and indeed for any prime - based lending 这样的话，银行的资金成本将会上升，但却缺乏机制相应调高现有按揭的利率或其他以最优惠利率为定息基础的贷款利率。
For example , if inflation falls to - 1 . 0 percent and the prime lending rate is reduced to 8 . 5 percent , real interest rates will be 9 . 5 percent , making the cost of investment very high 例如若通胀率下跌至负百分之一，最优惠利率下调至百分之八点五。那么，实质利率便会增加至百分之九点五。投资的成本变得偏高。
