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Mortgage Rates
- Fixed-rate
- Fixed-rate Jumbo
- Fixed-rate VA
- Fixed-rate in Guam
- Adjustable-rate (ARM)
- Adjustable-rate (ARM) Jumbo
- Adjustable-rate (ARM) in Guam
| Interest Rate |
|
Annual Percentage Rate |
|
Points |
|
Down Payment |
|
Monthly Principal & Interest Payment per $100,000 borrowed |
|
|---|---|---|---|---|---|---|---|---|---|
|
30 year |
5.500% |
5.672% |
1.875% |
20% |
$567.79 1 |
||||
|
15 year |
5.000% |
5.134% |
0.875% |
20% |
$790.79 1 |
Rates as of 10/24/2025 and can change without notice. Rate is based on 45-day lock for purchase transaction.
Maximum loan amount for these rates and terms is $1,209,750. Other options with different amounts, rates, and terms are available. The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.
1 Payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.
| Interest Rate |
|
Annual Percentage Rate |
|
Points |
|
Down Payment |
|
Monthly Principal & Interest Payment per $100,000 borrowed | |
|---|---|---|---|---|---|---|---|---|---|
|
30 year |
5.875% |
5.921% |
0.500% |
20% |
$591.541 |
||||
|
20 year |
5.375% |
5.451% |
0.625% |
20% |
$680.851 |
||||
|
15 year |
5.000% |
5.134% |
0.875% |
20% |
$790.791 |
Rates as of 10/24/2025 and can change without notice. Rate is based on 45-day lock for purchase transaction.
For loan amounts greater than $970,800. The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.
1Payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.
| Interest Rate |
|
Annual Percentage Rate |
|
Points |
|
Down Payment |
|
Monthly Principal & Interest Payment per $100,000 borrowed |
|
|---|---|---|---|---|---|---|---|---|---|
|
30 Year - Hawaii |
6.125% |
6.473% 1 |
0.000% |
0% |
$607.61 2 |
||||
|
30 Year - Guam |
6.125% |
6.473% 1 |
0.000% |
0% |
$607.61 2 |
Rates for Hawaii as of 10/24/2025 and for Guam as of 10/27/2025 and can change without notice. Rate is based on a 60-day lock period for purchase transactions.
The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.
1 APR includes a 3.30% VA funding fee.
2 Payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.
| Interest Rate |
|
Annual Percentage Rate |
|
Points |
|
Down payment |
|
Monthly Principal & Interest Payment per $100,000 borrowed |
|
|---|---|---|---|---|---|---|---|---|---|
|
30 year |
5.500% |
5.696% |
2.125% |
20% |
$567.79 1 |
||||
|
15 year |
5.000% |
5.172% |
1.125% |
20% |
$790.79 1 |
Rates as of 10/27/2025 and can change without notice. Rate is based on 45-day lock for purchase transaction.
Maximum loan amount for these rates and terms is $1,209,750. Other options with different amounts, rates, and terms are available. The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.
1Payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.
| Interest Rate |
|
Annual Percentage Rate |
|
Time Initial Rate is Fixed |
|
Points |
|
Monthly Principal & Interest Payment per $100,000 borrowed |
|
Current Adjusted Rate |
|
Current Adjusted Payment |
|
Reset Period |
|
First Change Cap |
|
Subsequent Change Cap |
|
Maximum Life Time Caps Over Initial Interest Rate |
|
Floor Rate | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
5/6 ARM1 |
4.750% |
6.145% |
5 years |
1.875% |
$521.65 2 |
6.875% 3 |
$656.93 3 |
6 months |
+2% / -2% |
+1% / -1% |
5% |
2.75% |
|||||||||||
|
7/6 ARM1 |
4.875% |
5.985% |
7 years |
1.875% |
$529.21 2 |
6.875% 3 |
$656.93 3 |
6 months |
+5% / -5% |
+1% / -1% |
5% |
2.75% |
|||||||||||
|
10/6 ARM1 |
5.000% |
5.796% |
10 years |
1.875% |
$536.82 2 |
6.875% 3 |
$656.93 3 |
6 months |
+5% / -5% |
+1% / -1% |
5% |
2.75% |
Interest Rates effective 10/24/2025 and are based on a 45-day lock period for purchase transactions.
1 Maximum loan amount for these rates and terms is $1,209,750. Other options with different amounts, rates, and terms are available. Interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease every 6 months according to the then current index. The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.
2 Monthly payments are per $100,000 borrowed and do not include additional costs such as taxes and insurance. Actual monthly payment will be greater.
3 Since the index in the future is unknown, the Current Adjusted Interest Rate and Current Adjusted Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is based on the 30 Day Average of the Secured Overnight Funding Rate (SOFR) as published daily by the Federal Reserve Bank of New York, plus a margin of 2.75%. For more information on the SOFR index, please visit the Federal Reserve Bank of New York.
| Interest Rate |
|
Annual Percentage Rate |
|
Time Initial Rate is Fixed |
|
Points |
|
Monthly Principal & Interest Payment |
|
Current Adjusted Rate |
|
Current Adjusted Payment |
|
Reset Period |
|
First Change Cap |
|
Subsequent Change cap |
|
Maximum Life Time Caps Over Initial Interest Rate |
|
Floor Rate | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
5/6 ARM 1 |
5.125% |
6.191% |
5 Years |
0.500% |
$544.49 2 |
6.875%3 |
$656.933 |
6 months |
+2% / -2% |
+1% / -1% |
5% |
2.75% |
|||||||||||
|
7/6 ARM 1 |
5.250% |
6.064% |
7 Years |
0.500% |
$552.20 2 |
6.875%3 |
$656.933 |
6 months |
+5% / -5% |
+1% / -1% |
5% |
2.75% |
|||||||||||
|
10/6 ARM 1 |
5.375% |
5.924% |
10 Years |
0.500% |
$559.97 2 |
6.875%3 |
$656.933 |
6 months |
+5% / -5% |
+1% / -1% |
5% |
2.75% |
Interest Rates effective 10/24/2025 and are based on a 45-day lock period for purchase transactions.
1 For loan amounts greater than $970,800. Interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease every 6 months according to the then current index. The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.
2 Monthly payments are per $100,000 borrowed and do not include additional costs such as taxes and insurance. Actual monthly payment will be greater.
3 Since the index in the future is unknown, the Current Adjusted Interest Rate and Current Adjusted Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is based on the 30 Day Average of the Secured Overnight Funding Rate (SOFR) as published daily by the Federal Reserve Bank of New York, plus a margin of 2.75%. For more information on the SOFR index, please visit the Federal Reserve Bank of New York.
| Interest Rate |
|
Annual Percentage Rate |
|
Time Initial Rate is Fixed |
|
Points |
|
Monthly Principal & Interest payment per $100,000 borrowed |
|
Current Adjusted Rate |
|
Current Adjusted Payment |
|
Reset Period |
|
First Change Cap |
|
Subsequent Change Cap |
|
Maximum Life Time Caps Over Initial Interest Rate |
|
Floor Rate | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
5/6 ARM 1 |
4.750% |
6.145% |
5 years |
1.875% |
$521.65 2 |
6.875%3 |
$656.933 |
6 months |
+2% / -2% |
+1% / -1% |
5% |
2.75% |
|||||||||||
|
7/6 ARM 1 |
4.875% |
5.985% |
7 years |
1.875% |
$529.21 2 |
6.875%3 |
$656.933 |
6 months |
+5% / -5% |
+1% / -1% |
5% |
2.75% |
|||||||||||
|
10/6 ARM 1 |
5.000% |
5.796% |
10 years |
1.875% |
$536.82 2 |
6.875%3 |
$656.933 |
6 months |
+5% / -5% |
+1% / -1% |
5% |
2.75% |
Interest Rates effective 10/27/2025 and are based on a 45-day lock period for purchase transactions.
1 Maximum loan amount for these rates and terms is $1,209,750. Other options with different amounts, rates, and terms are available. Interest rates and payments may increase after consummation. After the initial fixed-rate period, your interest rate can increase or decrease every 6 months according to the then current index. The information provided on this page is for informational and comparative purposes only. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc.
2 Monthly payments are per $100,000 borrowed and do not include additional costs such as taxes and insurance. Actual monthly payment will be greater.
3 Since the index in the future is unknown, the Current Adjusted Interest Rate and Current Adjusted Payment are based on the current index plus the margin at the time of the effective date shown above, and are only an example of what your rate and payment would be if your loan adjustment date was the date shown above. The Adjusted Interest Rate and Adjusted Payment may differ when the term for your initial rate expires. Your mortgage will change on the adjustment dates and will be equal to an index, which is based on the 30 Day Average of the Secured Overnight Funding Rate (SOFR) as published daily by the Federal Reserve Bank of New York, plus a margin of 2.75%. For more information on the SOFR index, please visit the Federal Reserve Bank of New York .
Have home ownership questions? We’ve got answers.
Our e-books cover the most important topics you’ll consider throughout the home buying and refinancing processes.
The Complete Guide to Buying a Home in Hawaii
The Complete Guide to Refinancing Your Home in Hawaii
Trusted Lender
In 2024, Bank of Hawaii was the No. 1 local bank in total loan dollars for residential loans.+
+#1 Residential Lender ranking is for total loan dollars for residential loans made by a lender in the State of Hawaii in 2024. Information compiled by Title Guaranty derived from Hawaii Bureau of Conveyances tax data recorded information for 2024. Information is deemed reliable but not guaranteed.
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In Hawaii, you can reach us at 808-643-3888. If you're in the U.S. Mainland or Canada, please call 1-888-643-3888. For those in Guam and Saipan, dial 1-877-553-2424. And in Palau, you can contact us at 1-680-488-3338.
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