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Hong Kong Published Loan Rates
Stress-tested DSR. LTV caps depend on property value and status.
HKD Active Currency
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Lowest Published APR
3.87%
Best rate benchmark currently on record
Market Average APR
4.69%
Mean across tracked lending products
Available Products
2 Benchmarks
Fixed, variable & personal credit
Statutory System
HIBOR-linked (H-plan) or Prime-linked (P-plan) mortgage
Verified statutory framework
Hong Kong Rate Directory
Click Calculate on any rate to open our loan calculator pre-filled with these exact parameters.
| Lender / Benchmark | Category | Term | Rate (APR) | Type | Effective Date | Calculate |
|---|---|---|---|---|---|---|
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Hong Kong HIBOR H-Plan Mortgage Cap
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🏠 Mortgage | 30 Years (360 mo) | 3.87% | variable | Active Benchmark | Calculate → |
|
Hong Kong Tax & Personal Loan Benchmark
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👤 Personal Loan | 5 Years (60 mo) | 5.50% | fixed | Active Benchmark | Calculate → |
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Hong Kong Underwriting Guidelines
Statutory Borrowing Rule
HKMA guidelines: 70% max LTV for standard property (up to 90% under MIP)
Mortgage System
HIBOR-linked (H-plan) or Prime-linked (P-plan) mortgage
Default Insurance / Guarantee
HKMC Mortgage Insurance (MIP)
Regulatory Reference