Motorcycle Loan (EMI) Calculator
From the bike price, down payment, rate and term, compute the loan amount, monthly payment and total interest.
輸入資料
計算結果
重點速覽：Loan amount = bike price - down payment. Monthly payment is the amortised (reducing-balance) instalment; total interest = total paid - principal. A larger down payment lowers the loan and thus the monthly payment and total interest. The calculator uses APR (reducing-balance), not the flat rate (平息) some dealers quote.
計算公式
貸款金額 = 車價 − 首期 (下限為 0)。
月利率 = 年利率 ÷ 12;期數 = 還款年期 × 12。
每月供款 = 貸款金額 × 月利率 × (1 + 月利率)^期數 ÷ [(1 + 月利率)^期數 − 1];還款總額 = 每月供款 × 期數;總利息 = 還款總額 − 貸款金額。
$$\text{貸款額} = \max(\text{車價} - \text{首期},\; 0)$$$$r = \dfrac{\text{年利率}\%}{12},\quad n = \text{年期} \times 12$$$$\text{EMI} = \text{貸款額} \times \dfrac{r(1+r)^n}{(1+r)^n - 1}$$使用說明
- Enter the bike price and down payment.
- Enter the annual rate (APR) and the loan term.
- View the loan amount, monthly payment, total payment and interest.
以貸款額 70,000 (車價 80,000 − 首期 10,000)、年利率 11% 為例，不同還款年期下的每月供款與總利息 (HK$)。
| 還款年期 | 每月供款 | 還款總額 | 總利息 |
|---|---|---|---|
| 2 年 | 3,263 | 78,301 | 8,301 |
| 3 年 | 2,292 | 82,502 | 12,502 |
| 4 年 | 1,809 | 86,841 | 16,841 |
| 5 年 | 1,522 | 91,318 | 21,318 |
理財情境案例
案例一：提高首期，月供與總利息一起降
阿明看中一部 80,000 的電單車，年利率 11%、還款 3 年。他在「零首期」與「首期 20,000」之間比較。
零首期：貸款額 80,000，月供約 2,619，總利息約 14,288；首期 20,000：貸款額 60,000，月供約 1,964，總利息約 10,716。
多付 20,000 首期，月供由 2,619 降到 1,964、每月輕約 655，總利息更省約 3,572。提高首期是降低每月負擔與總利息最直接的方法 —— 因為你借得少，要付的利息自然少。
案例二：平息 6% ≈ 息隨本減 11%，別被低數字騙
同樣貸款 70,000、還款 3 年，一間車行報「平息 6%」，聽起來很低，實際成本如何？
平息 6%：利息 = 70,000 × 6% × 3 = 12,600 (按全額算足 3 年)，月供約 2,294。用本計算器 (息隨本減) 反推，要月供同樣約 2,294，實際年利率 (APR) 竟高達約 11.08%！
換言之，『平息 6%』的真實成本接近『息隨本減 11%』，幾乎是兩倍。比較車貸時務必問清楚報的是平息還是 APR，統一用 APR 比較才公平 —— 本計算器算的正是 APR (息隨本減)。
常見問題
How does the down payment affect the loan?
The down payment directly reduces the loan amount, so a larger down payment lowers both the monthly payment and the total interest. It is the most direct lever to cut financing cost.
What is the difference between flat rate (平息) and APR?
A flat rate charges interest on the ORIGINAL principal for the whole term (interest = principal x flat% x years), so the real cost is much higher than it looks. APR (reducing-balance) charges interest on the remaining balance, which is the true cost. Example: HK$70,000 over 3 years at a 'flat 6%' implies an APR near 11%. Always compare on APR.
Why prefer a shorter term for a bike?
Bikes depreciate fast. A long term can leave you owing more than the bike is worth ('upside down') while the bike is already worn. A shorter term costs less total interest and clears the loan before heavy depreciation — choose the shortest term you can afford.
What costs are not in the monthly payment?
This is principal + interest only. The real cost also includes insurance, vehicle licence, first registration tax and dealer fees. Add these to compare with paying cash or a different model.
Any Hong Kong notes on bike finance?
Hong Kong bike loans are offered by banks and finance companies; watch the APR, handling fees and early-repayment terms. The bike carries first registration tax, annual licence and insurance separately. For a fair comparison use the effective annual rate and total cost of credit, and keep the loan within your debt-servicing capacity (see the debt-to-income ratio).
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。