Basis Point Calculator
Convert a number of basis points into a percentage, a decimal and the actual dollar amount it represents.
輸入資料
計算結果
重點速覽：A basis point (bp) is one hundredth of a percentage point: 1 bp = 0.01% = 0.0001. The Basis Point calculator converts bps into a percentage (bps / 100), a decimal (bps / 10,000) and the actual amount (decimal x base value). Example: 25 bps = 0.25% = 0.0025; on HK$3,000,000 the annual interest impact is about HK$7,500. WARNING: The amount is a simple linear estimate that does not compound monthly declining principal; actual interest also depends on the repayment schedule. Basis points are the standard unit for quoting interest-rate changes in Hong Kong and worldwide.
計算公式
百分比 = 基點數 ÷ 100；小數 = 基點數 ÷ 10000 (即 1 bps = 0.01% = 0.0001)。
金額影響 = (基點數 ÷ 10000) × 基準金額。
增加後數值 = 基準金額 + 金額影響；減少後數值 = 基準金額 − 金額影響。
$$百分比：$Percent = \dfrac{bps}{100}\%$；小數：$\dfrac{bps}{10000}$$$$$金額影響：$Impact = \dfrac{bps}{10000}\times Base$$$$$增加後：$Base + Impact$；減少後：$Base - Impact$$$使用說明
- Enter the number of basis points (e.g. 25).
- Enter the base amount the change applies to.
- View the percentage, decimal and the resulting dollar amount (and the value after an increase or decrease).
基點對應的百分比與對基準金額的影響
| 基點 (bps) | 百分比 | 小數 | 對 HK$3,000,000 的金額影響 |
|---|---|---|---|
| 1 bps | 0.01% | 0.0001 | 300 |
| 25 bps | 0.25% | 0.0025 | 7,500 |
| 50 bps | 0.50% | 0.0050 | 15,000 |
| 100 bps | 1.00% | 0.0100 | 30,000 |
理財情境案例
Case 1: The dollar weight of 25 basis points
25 basis points sounds tiny, but on a principal of HK$3,000,000 the annual interest rises by about HK$7,500 (before compounding and monthly principal decline). This shows why every 'rate rise/fall of several basis points' headline from the central bank or banks matters to mortgagors, borrowers and depositors — the larger the principal, the heavier each basis point.
Case 2: Basis-point conversion and two-way impact
Base amount HK$1,000,000, change of 50 basis points. Percentage = 50 / 100 = 0.5%; decimal = 50 / 10,000 = 0.005; dollar impact = 0.005 x 1,000,000 = HK$5,000.
Value after increase = 1,005,000; value after decrease = 995,000. 50 bps equals 0.5%, which on HK$1,000,000 is a HK$5,000 two-way impact. Quoting the move in basis points is precise and unambiguous.
常見問題
What is a basis point?
One basis point (bp) is 0.01% (one hundredth of a percentage point) or 0.0001 as a decimal. It is the standard unit for quoting interest-rate changes so that movements are stated precisely and unambiguously.
Why express rate changes in basis points?
Saying 'rates rose 25 basis points' is clearer than 'rose 0.25 percentage points' or the ambiguous 'rose 5%'. Because basis points are absolute, they avoid the confusion between a relative and an absolute change.
How much does a basis-point move cost in dollars?
Amount = (bps / 10,000) x base value. On HK$1,000,000, a 50 bp move equals 0.5%, or HK$5,000 in either direction. The larger the principal, the heavier each basis point weighs.
相關工具
參考資料
內容審核：香港計算器財經團隊。計算邏輯與公式參考香港金融管理局（HKMA）及投資者及理財教育委員會（IFEC）之個人理財計算指引，結果僅供參考，實際以相關機構公佈為準。