The Base Rate is set at the higher of the simple average of the five-day moving averages of overnight and one-month HIBORs,and the US Federal Funds Target Rate plus an adjustment factor,currently set at 150 basis points.

• 基本利率按港元隔夜及一个月银行同业拆息的五日简单平均数，或美国联邦基金目标利率加一个系数(现定为150基点)厘定，以较高者为准。