由外號「磁帶大王」陳秉志持有的葵涌華榮工業大廈低層一籃子物業以約4860萬易手，每呎造價2700元，持貨44年帳面獲利4590萬，升值17倍。

平均呎價2700元

陳秉志昨日接受本報查詢時表示，葵涌永業街14至20號華榮工業大廈低層多個單位，分別位處該廈1樓及2樓，總建築面積1.8萬方呎，以約4860萬售出，呎價約2700元。他早於1978年以270萬購入，持貨44年帳面獲利4590萬，升值約17倍。

據代理行資料顯示，該工廈今年以來僅錄一宗買賣，為該廈20樓C室，建築面積3450方呎，今年5月以925萬售出，呎價約2681元。

由於物業於早年購入，持貨多年升值可觀，故沽貨止賺，將因應市況，有機會短期內再度入市，瞄準民生區鋪位。儘管核心區鋪售價大幅回落，惟中港兩地未開關，遊客未回歸，加上涉資大，短期內不考慮。

資料顯示，由他持有的觀塘廣場地下20至25號鋪，建築面積約1687方呎，早前以7000萬售出，呎價約4.15萬，現時由連鎖零售商萬寧以每月約16.17萬租用，料買家回報約2.8厘。他指，早於2001年以3000萬購入該廣場一籃子鋪位，獲利可觀。

(星島日)報)

葵涌工廈低水現商機 基金垂青

葵涌區工廈呎價相對低水，近期屢獲基金承接，因價格較低，故不論作收租或重建，均甚有商機。

去年基金屢購工廈，近期投資焦點在葵涌區，包括葵涌建康街15至23號泉基工業大廈的72.53%業權，獲財團洽購。該工廈於1977年落成，樓高15層，佔地約25,000平方呎，而是次逾7成樓面，總建築面積約16.8萬平方呎，獲基金以約3.8億元購入，呎價約2,262元。

嘉民亞洲 3.8億購泉基工廈

據悉，新買家為嘉民亞洲，該基金重點發展大型貨倉及物流中心，而近2年工廈受捧，該基金開始投資散業權工廈，先後數度入市，購入九龍灣貨運中心多層單位，共涉9.2億元。另外，該基金去年以約2.86億元，購入葵涌永健路1至5號厚豐工業大廈多層樓面，總面積約14.5萬平方呎，成交呎價僅約1,972元。

泉基工業大廈單位由鄧成波家族持有，波叔早年分階段購入該廈樓面，涉資5.5億元，家族年初曾把物業放售，叫價約7億元，如今大幅降價至3.8億元沽出，蝕約1.7億元離場。

另外，該家族早前以亦約4.33億元，沽出葵涌永昇工業大廈約9成業權。該廈位於永基路26至30號，於1979年落成，樓齡約41年，屬於1幢樓高約12層的工業樓宇。

永昇9成業權 凱龍瑞承接

物業原由鄧成波家族持有，波叔早於10多年前，開始收集該廈業權，累積持有約9成業權，涉資近3億元。家族於2年前，曾為該廈申請強拍，土地審裁處文件顯示，餘下接近1成業權由一名小業主持有，涉及1個地廠、2個車位、3個樓上單位，以及部分天台範圍等。如今家族以約4.33億元沽出，獲利逾億元。

新買家為凱龍瑞基金，該廈佔地約2.2萬平方呎，城規會的分區計劃大綱圖上劃為「工業」用途，地積比率上限為9.5倍，若重建可建樓面面積約20.9萬平方呎。凱龍瑞近年亦有購入工廈進行重建，2020年以9.65億元，購入長沙灣恆發工業大廈全幢，計劃興建1幢27層高的新式工廈，涉及總樓面約22.8萬平方呎。

至於分層單位亦成為基金投資對象，如葵涌貨櫃碼頭路51至63號葵順工業中心錄得成交，涉及物業10樓全層，面積約3.6萬平方呎，以約1.195億元成交，呎價約3,319元，買家為外資基金SilkRoad，該基金近月非常積極吸納工廈，包括分層及全幢，數月前斥1.8億元，購入荃灣沙咀道大成大廈高層3層樓面。

分析指，工廈仍是基金追捧對象，畢竟呎價較便宜，加上租金收入穩定，故仍是基金首選。多區工廈中，葵涌區呎價相對低水，目前多幢工廈，呎價約3,000餘元，甚至低見2,000餘元，故不論作收租，或日後重建，成本較低，具投資價值，相信該區工廈續獲基金留意。

(經濟日報)

香港仔興偉中心全幢 12.5億標售

工廈為工商舖中交投較穩定範圍，而資深投資者、太子珠寶鐘錶主席及行政總裁鄧鉅明趁勢放售香港仔田灣興偉冰廠凍房全幢，物業市值約為12.5億元。

有外資代理行代理表示，田灣海旁道9號的興偉冰廠凍房全幢現推出放售，並公開招收意向書，9月30日截止。物業為1幢樓高12層的工業及冷庫物業，總建築面積約20萬平方呎，現由單一租戶全數承租。據了解，業主意向價約12.5億元，呎價約6,250元。

9年前曾獲承接 惟最終撻訂

資料顯示，鄧鉅明於2007年以1億元買入上址，2013年曾獲買家以6億元承接，惟買家最終未能完成交易，鄧鉅明殺訂，並持貨至今。甄浚岷稱，現時全港共有79間持牌冷庫，大部分由舊式分層工業大廈改建而成，以及10座全幢持牌凍倉，而興偉冰廠凍房是目前市場上唯一放售的全幢冷庫物業。相信此類資產將受到本地、海外及國內機構投資者追捧。

(經濟日報)

中國電信1.8億 奪舂坎角電訊站用地

地政總署昨公布，中國電信國際以1.8億元，奪得一幅位於赤柱舂坎角 (鄉郊建屋地段第1220號) 用地，擊敗另一投標者GB21 (Hong Kong) Limited，批租期為30年。上述地皮的地盤面積約19,763平方呎，指定作對外電訊站用途。

地政總署於今年3月以約4.29億元，批出一幅比鄰上述地皮的電訊站用地 (鄉郊建屋地段第1219號用地)，予新地 (00016) 旗下的新意網集團 (01686)，批租期同為30年。

該署又指，獲批鄉郊建屋地段第1219號的投標者，以及與該投標者有關連的公司，均沒有資格參與競投最新批出的鄉郊建屋地段第1220號的地段。換言之，新地旗下的新意網集團，及其關連公司，均沒有資格競投最新批出的用地。

沙田顯和里住宅地 今招標

另外，沙田顯和里住宅地將於今日招標，地皮鄰近顯徑邨、雲疊花園，地盤面積約14,890平方呎，指定作非工業 (不包括倉庫、酒店及加油站) 用途，亦即可作為私人住宅或商住用途。地皮估值約5億元，即每呎樓面地價約5,600元起。

(經濟日報)

HSBC raises mortgage rate, dealing a blow to Hong Kong homeowners, with other banks set to follow suit

Someone taking on a 30-year, HK$5 million mortgage at a rate of Hibor+1.3 per cent, will pay an extra HK$656 per month

The mortgage businesses of banks in Hong Kong are about to enter ‘a cold winter’, a mortgage broker says

HSBC has taken the lead in raising mortgage rates as the cost of borrowing money keeps rising, dealing a blow to Hong Kong homeowners and potential buyers.

The move is expected to prompt other major banks in the city to follow suit.

HSBC raised the cap for its Hibor-linked home loans to 2.75 per cent from 2.5 per cent for new applications, it said on Thursday. Hibor (the Hong Kong interbank offered rate) is the interest rate banks charge each other for borrowing money.

The one-month Hibor has soared to 1.9 per cent, the highest in more than two years.

HSBC’s move means someone taking on a HK$5 million (US$637,385) Hibor-linked mortgage over a 30-year period at a rate of Hibor+1.3 per cent, will pay an extra HK$656 per month, an increase of 3.3 per cent, according to a mortgage brokerage service provider.

“As the adjustment of the mortgage rate at such a leading bank is an indicator, other banks are expected to follow suit and increase the cap on their new Hibor-linked mortgages,” another mortgage broker said.

Standard Chartered said it would raise the capped mortgage rates for new Hibor-linked mortgages from 2.5 per cent to 2.75 per cent next Wednesday.

Bank of China (Hong Kong) said it would “review its mortgage service conditions from time to time, taking into account market development, interest rate trends and customer needs, in order to maintain the competitiveness” of its business.

Hang Seng Bank said it is “closely monitoring market conditions” and would review mortgage loan interest rates “from time to time”.

The city’s homeowners and potential buyers have been braced for higher mortgage rates since the Federal Reserve embarked on a rapid succession of interest rate hikes in March to tame the fastest inflation in four decades.

The Hong Kong Monetary Authority, the de facto central bank, increases its base rate in lockstep under its linked exchange rate system with the US dollar.

The US central bank raised its benchmark rate for two consecutive months in June and July. The market widely expects the US interest rate to increase by another 50 to 75 basis points in September.

Another mortgage brokerage service provider expects local banks to raise the prime rate in September by 25 basis points, when the one-month Hibor rate approaches 2 per cent.

Five smaller banks had already raised their mortgage rates, according to the mortgage brokerage service provider, but HSBC’s decision is by far the most influential. The lender enjoyed just over a fifth of the market share of mortgages in July, according to Land Registry data cited by the mortgage brokerage service provider.

The current cycle of rising mortgage rates, given impetus by HSBC’s announcement, is the the first since 2018.

HSBC has also launched a new one-year, fixed-rate mortgage plan to give customers the option of repaying a set monthly amount, it said on Thursday.

“Under a floating-rate mortgage plan, monthly repayments go up and down in line with the market’s interest rate movement,” the mortgage brokerage service provider said. “At a time like this, some customers may prefer a mortgage solution which offers predictability and stability.”

The brokerage service provider expects other lenders to launch similar fixed-rate mortgage plans.

The effective Hibor-linked mortgage rate already hit the cap of 2.5 per cent in late July when the one-month Hibor reached 1.2 per cent. On Thursday, the one-month Hibor rate climbed to 1.9 per cent, the highest in 28 months, according to the mortgage brokerage service provider.

The amount and number of new mortgage loans plunged by 14.5 per cent and 17.1 per cent year-on-year, respectively, in the first six months of this year as the coronavirus fifth wave ravaged the city’s economy.

Banks are likely to start offering bigger discounts as they strive to drum up business, the mortgage brokerage service provider said.

The mortgage brokerage service provider does not envisage mortgage rates falling again any time soon.

“The current mortgage cap of 2.5 per cent will become history,” the broker said.

The broker predicts that the overall number of mortgages will drop by at least 10 per cent on an annual basis in the coming months.

With sales in the second-hand property market so sluggish recently, “the mortgage business of banks in Hong Kong will enter a cold winter”, the broker said.

An index of lived-in home prices dipped 1.1 per cent to 380.5 in June, its lowest level since December 2020, according to the latest Rating and Valuation Department data.

The city’s property developers have been speeding up their sales launches in a bid to get ahead of interest rate rises. Sun Hung Kai Properties (SHKP) is offering an extra batch of 383 flats for sale at its Novo Land projects on Sunday.

It sold all 180 units on offer in the second phase of the development in Tuen Mun within the first four hours on Wednesday.