Revised every 8 years
Index H applies to variable mortgage rates revised every 8 years. It is derived from linear bonds (OLO) at 8 years.
Latest value (08/2025)
2.975%
Change over 12 months
+0.178
All-time low (01/2021)
-0.500%
All-time high (02/2000)
5.667%
Monthly values, in percent
Each point is the official value of index H for that month. At a revision your bank compares the index value at that moment with the initial value in your credit deed. If the index is higher, your rate rises by that same difference; if lower, it falls. Your margin above the index does not change.
Yes. Your rate can never more than double relative to the starting rate. In year two it may exceed year one by at most 1 percentage point, and in year three by at most 2 points over the start. With a revision every 8 years you feel a movement less often, but when it comes it applies in one step for the whole period.
Your monthly payment goes up from the next due date. Is it worth acting first? Sometimes: refinancing or switching to a fixed rate can pay if the gap is large enough to cover the reinvestment fee and the new deed costs. Always work that through in full.
Want to know what a variable formula on index H actually costs against a fixed rate?
Work it outSource: FPS Economy, reference indices for variable rates on mortgage credit. Our series is indicative; the official publication in the Belgisch Staatsblad is binding.
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