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Home Loan Calculator

Estimate your monthly payment and compare financing options.

Philippine peso
₱
%
₱1,000,000
Property price − down payment
₱4,000,000
Annual, nominal
% p.a.

Rate fixing period: Custom rate (no fixing period)

Total repayment period, in years

Fixing period is how long the displayed interest rate remains fixed. The loan term is the total period over which the loan is repaid. The lender may reprice the loan after the fixing period.

Estimated monthly payment
₱29,823 / month
Property price
₱5,000,000
Down payment
₱1,000,000
Loan amount
₱4,000,000
Interest rate
6.50% p.a.
Rate fixing period
Not applicable
Loan term
20 years (240 months)
Total principal
₱4,000,000
Estimated total interest
₱3,157,502
Estimated total amount payable
₱7,157,502

Compare Home Loan Rates

Compare indicative lender-published home loan rates and estimate your monthly payment.

Rates last updated: Sep 2, 2026

BDO Unibank
Home Loan
Verified
From 6.00% p.a.
1 year
Source: Official BDO Home Loan interest-rate publication
Verified Sep 2, 2026
Rates are subject to change without prior notice.
CTBC Bank
My Family Home Loan
Verified
From 6.99% p.a.
1 year
Source: Official CTBC Bank Philippines My Family Home Loan page
Verified Sep 2, 2026
Security Bank
Regular Home Loan
Verified
From 7.25% p.a.
1 year
Source: Official Security Bank Home Loan product page
Verified Sep 2, 2026
Standard Regular Home Loan rates. Promotional or calculator-page rates are not used as the DealPH standard rate.
China Bank
HomePlus
Verified
From 7.50% p.a.
1–3 year fixing
Source: Official Chinabank HomePlus FAQ
Verified Sep 2, 2026
Final rate is determined at loan availment and rates are subject to change. Expired promotional rates are not used.
RCBC
Home Loan
Indicative
7.50% p.a.
Indicative calculator rate
Source: Rate displayed by the official RCBC Home Loan calculator
Recorded Sep 2, 2026
Not a lender-published fixing-period schedule.
BPI
Housing Loan
Verified
From 7.00% p.a.
1 year
Source: Official BPI Housing Loan publication
Verified Sep 2, 2026
Indicative rates for new loan applications. Applicable repricing rates may apply after the fixing period.
Metrobank
Home Purchase Loan
Verified
From 6.25% p.a.
1 year
Source: Official Metrobank Home Purchase Loan product page
Verified Sep 2, 2026
Rates may change from time to time. Contact Metrobank for the latest applicable rate. Metrobank also publishes a separate generic Home and Car Loan rate schedule with different figures; only the product-specific Home Purchase Loan schedule above is used by DealPH.
HSBC PH
Home Loan
Contact bank
Contact HSBC for current rate
Source: HSBC Philippines Home Loan page
No verification date
HSBC supports quarterly, 1-year, 2-year, 3-year and 5-year repricing periods but directs customers to HSBC for current rates.
PNB
Home Loan
Contact bank
Contact PNB for current rate
Source: not recorded
No verification date
No verified numeric rate recorded in DealPH.

Rates shown are based on lender-published information and may change without notice. Promotional rates may have additional eligibility requirements. The rate offered to you will depend on the lender, property, loan amount, fixing period and borrower eligibility. DealPH is not a lender and does not guarantee rates or loan approval.

Estimates are for comparison purposes only. Actual loan amounts, interest rates, fees, approval and monthly payments depend on the lender and borrower eligibility. DealPH is not the lender and does not guarantee loan approval or displayed rates.