Perhaps the banks will come around to considering it , or alternatively just start quoting a mortgage rate without reference to prime , when the need for that flexibility is felt 也许当银行觉得需要灵活地独立调整按揭利率时，便会考虑修改按揭贷款文件，或不再以最优惠利率为参考利率，而开始直接说明按揭贷款利率是多少厘。
It may still take a little more time for interest rates , relative to prime , on new mortgages to settle down , if it is the intention of licensed banks to continue to price mortgages against prime 如果持牌银行打算继续以最优惠利率作为厘定按揭利率的参考基准，新造按揭息率相对最优惠利率仍可能要等多一点时间才会稳定下来。
In the interests of the stability and integrity of the financial system i did , exceptionally , make comments in public to try to dampen the potentially adverse impact of the leap - frogging 为保持金融体系稳定及健全，我曾罕有地发表一些言论，试图缓和最优惠利率超加的潜在不利影响，但我同时强调存贷息率仍然纯属银行本身的决定。
There is a lack of flexibility in the adjustment of interest rates , in that an increase in the mortgage rate for existing mortgages will require a corresponding increase in the rates for all prime - based lending 根据这个安排，如果要调高现有按揭的利率，所有以最优惠利率作厘定基础的贷款的利率都会相应调高，致使利率调整缺乏弹性。
And it is on the basis of those short - term interbank interest rates that other interest rates of more direct concern to members of the public , such as the best lending rate and the interest rate for savings deposits , are determined 此外，其他与市民大众关系较直接的息率，如最优惠利率和储蓄存款利率等，都是根据短期同业拆息定出。
" the increasing proportion of loans in negative equity being priced at below prime reflects the fact that the banks have been willing to refinance or restructure loans for homeowners in negative equity . 尽管如此，负资产住宅按揭贷款未偿还总额并没有上升。负资产贷款的利率低于最优惠利率的比例不断增加，反映银行乐意为负资产业主转按或重组贷款。
" the ratio of mortgage loans granted at below the best lending rate rose significantly in march , reflecting that the mortgage price war among banks has become more acute . " said mr y . k . choi , acting deputy chief executive of the hkma 金管局署理副总裁蔡耀君表示：月份以低于最优惠利率批出的按揭贷款比率大幅上升，显示银行间的按揭业务竞争已加剧。
In order that they can benefit from lower mortgage interest rates , recently driven down by competition from well above to well below best lending rate , we have to address the risks the banks are exposed to 由于竞争激烈，近期按揭利率被推至大为低于最优惠利率。若要让负资产按揭的借款人也能享受较低的按揭利率，我们就要解决银行因负资产按揭所承担的风险。
Yet a change in the prime rate is normally brought about by a change in the fed funds target rate in the us and the corresponding and immediate change in our base rate for accessing hong kong dollar liquidity through the discount window 然而，促使最优惠利率变动的原因，通常是美国联邦基金目标利率变动，以及本港贴现窗提供港元流动资金的基本利率即时作出相应调整。
