808Rates

Hawaii Mortgage Rates Today

Starting at 6.280% APR for a 30-year fixed from local institutions

Rates refreshed May 17 · 12:00 PM HST
$800,000

Rates sorted by lowest APR. Sorting is not influenced by advertising or referral fees.

Rates as of May 18, 2026. Verify with lender before applying.

Rates shown assume 20% down payment, owner-occupied primary residence in Hawaii, qualified borrower (720+ credit score), and approximately 45-day rate lock. Actual rates vary based on your specific situation.

BOH
Bank of Hawaii✓ Best Rate
FDIC Insured
Product
30-Year Fixed
Rate
6.125%
APR
6.280%
Est. Payment (P&I only)
$4,861/mo
View Details
Points: 1.625 (~$13,000 upfront)(?)Max LTV: 80%Updated yesterday
Hawaii State Federal Credit Union
Hawaii State FCU#2
NCUA Insured
Product
30-Year Fixed
Rate
6.125%
APR
6.304%
Est. Payment (P&I only)
$4,861/mo
View Details
Points: 1.875 (~$15,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated yesterday
Hawaii State Federal Credit Union
Hawaii State FCU#3
NCUA Insured
Product
30-Year Fixed (Low Points)
Rate
6.375%
APR
6.447%
Est. Payment (P&I only)
$4,991/mo
View Details
Points: 0.75 (~$6,000 upfront)(?)Max LTV: 80%Open to most Hawaii residents · Check eligibility →Updated yesterday
American Savings Bank
American Savings
FDIC Insured
Product
30-Year Fixed
Rate
6.250%
APR
6.487%
Est. Payment (P&I only)
$4,926/mo
View Details
Points: 1.875 (~$15,000 upfront)(?)Max LTV: 80%Updated yesterday
First Hawaiian Bank
First Hawaiian
FDIC Insured
Product
30-Year Fixed
Rate
6.250%
APR
6.550%
Est. Payment (P&I only)
$4,926/mo
View Details
Points: 2.125 (~$17,000 upfront)(?)Max LTV: 80%Updated yesterday
CPB
Central Pacific
FDIC Insured
Product
30-Year Fixed
Rate
6.250%
APR
6.582%
Est. Payment (P&I only)
$4,926/mo
View Details
Points: 2 (~$16,000 upfront)(?)Max LTV: 80%Updated yesterday
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Hawaii Mortgage Calculator

Defaults reflect Hawaii's high conforming limit of $1,249,125

$1,200,000
$240,000
Monthly P&I
$5,911
Est. Total
$6,561
incl. tax & insurance
Loan Amount
$960,000
Total Interest
$1,167,919

Estimates include property tax at 0.35% and homeowner's insurance at 0.30% of home value. Actual costs vary. Does not include HOA, PMI, or other fees.

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