--- title: "HSBC maintains the best lending rate at 5 cents unchanged, and the Monetary Authority urges management of interest rate risks" type: "News" locale: "en" url: "https://longbridge.com/en/news/279718060.md" description: "HSBC announced that it will maintain the prime rate at 5 basis points, in line with market expectations. The Federal Reserve also decided to keep the interest rate at 3.5 to 3.75 basis points. The Hong Kong Monetary Authority pointed out that there is uncertainty regarding the future direction of U.S. interest rates, which may affect the interest rate environment in Hong Kong. Citizens need to manage interest rate risks when purchasing property, investing, or borrowing. The Hong Kong Monetary Authority will continue to monitor market changes to ensure monetary and financial stability" datetime: "2026-03-19T04:10:26.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/279718060.md) - [en](https://longbridge.com/en/news/279718060.md) - [zh-HK](https://longbridge.com/zh-HK/news/279718060.md) --- # HSBC maintains the best lending rate at 5 cents unchanged, and the Monetary Authority urges management of interest rate risks The Federal Reserve announced the interest rate decision at 2 a.m. Hong Kong time on Thursday, stating that it would maintain the rate at 3.5 to 3.75 percent, in line with market expectations. HSBC announced today (19th) at noon that it would keep its prime rate unchanged at the current level of 5 percent. HSBC last adjusted its prime rate on October 31, 2025, when it cut the rate by 12.5 basis points. At the same time, HSBC will maintain the interest rate for Hong Kong dollar savings accounts. ## Hong Kong Monetary Authority: Uncertainty in U.S. Interest Rate Direction The Hong Kong Monetary Authority responded to the interest rate decision this morning, stating that the Federal Reserve's decision to keep rates unchanged aligns with market expectations. The dot plot released after the meeting indicates that the Federal Reserve may cut rates by 25 basis points again within 2026, but the market generally believes there is significant uncertainty regarding the future direction of U.S. monetary policy, and the recent tensions in the Middle East have introduced greater variables affecting oil prices and U.S. inflation trends. In Hong Kong, the currency and financial markets are operating in an orderly manner. The Hong Kong dollar interbank offered rate is generally approaching the U.S. dollar interest rate under the linked exchange rate system, while shorter-term interbank rates are also influenced by local market supply and demand for Hong Kong dollar funds, such as seasonal factors and capital market activities. The uncertainty regarding the future interest rate direction in the U.S. will also impact Hong Kong's interest rate environment. Citizens need to fully consider and manage interest rate risks when making decisions about property purchases, investments, or borrowing. The Hong Kong Monetary Authority will continue to closely monitor market changes to maintain monetary and financial stability. Related articles: The Federal Reserve announces to keep interest rates unchanged; the impact of the Middle East situation on the economy remains unclear; dot plot predicts one rate cut this year ### Related Stocks - [517900.CN](https://longbridge.com/en/quote/517900.CN.md) - [516210.CN](https://longbridge.com/en/quote/516210.CN.md) - [00005.HK](https://longbridge.com/en/quote/00005.HK.md) - [512800.CN](https://longbridge.com/en/quote/512800.CN.md) - [HSBH.US](https://longbridge.com/en/quote/HSBH.US.md) - [515020.CN](https://longbridge.com/en/quote/515020.CN.md) - [512820.CN](https://longbridge.com/en/quote/512820.CN.md) - [HSBC.US](https://longbridge.com/en/quote/HSBC.US.md) - [512700.CN](https://longbridge.com/en/quote/512700.CN.md) ## Related News & Research - [HSBC showcases Asian strategy at investor seminar in Hong Kong](https://longbridge.com/en/news/287142074.md) - [HSBC Sticks to Its Buy Rating for NWS Holdings (NWSZF)](https://longbridge.com/en/news/286628463.md) - [HSBC tells workers not to resist AI changes](https://longbridge.com/en/news/287094017.md) - [HSBC Showcases Asian Operations at Investor Seminar in Hong Kong](https://longbridge.com/en/news/286979363.md) - [HSBC deploys $4b for Chinese clean energy firms seeking overseas expansion](https://longbridge.com/en/news/286890592.md)