Biweekly Mortgage Calculator
Compare standard monthly mortgage payments with a biweekly schedule and see the interest saved and time shortened.
輸入資料
計算結果
重點速覽：The Biweekly Mortgage calculator compares a standard monthly schedule with a biweekly schedule (half the monthly payment every two weeks). Because 26 biweekly half-payments a year equal 13 monthly payments, you pay one extra month of principal each year, saving interest. Example: a HK$4,000,000 loan at 7% over 30 years, normal monthly payment about HK$26,612; switching to HK$13,306 every two weeks cuts total interest from about HK$5,580,356 to about HK$4,201,850 — saving about HK$1,378,506 and clearing the loan about 6.3 years earlier. WARNING: Many Hong Kong banks do not offer a biweekly plan; you can achieve a similar effect by an extra monthly payment or an annual lump sum, but check early-repayment penalty terms.
計算公式
雙週供款 = 正常每月供款 ÷ 2。
全年供款 26 次半款 = 13 個月供款 (較正常多供一個月本金)。
以雙週為週期逐期模擬 (週期利率 = 年利率 ÷ 26) 直至餘額歸零。
節省利息 = 每月方案全期利息 − 雙週方案全期利息；提早清還 = 每月方案期數 − 雙週方案期數。
$$\text{Biweekly Payment} = \dfrac{\text{Monthly Payment}}{2}$$$$26 \text{ payments/year} = 13 \text{ monthly payments (one extra month)}$$使用說明
- Enter the loan amount, annual rate and term.
- View the monthly and biweekly payments, the total interest under each, and the interest and time saved.
- If your bank has no biweekly plan, replicate the effect with an extra monthly payment and use the mortgage early-repayment calculator.
以貸款 HK$4,000,000、年利率 7%、30 年 (正常月供約 HK$26,612、每月方案全期利息約 HK$5,580,356) 為例，改用雙週供款 (每次約 HK$13,306) 的慳息與提早清還效果。
| 供款方式 | 每期供款 (HK$) | 全期利息 (HK$) | 清還時間 |
|---|---|---|---|
| 正常每月供款 | 26,612 | 5,580,356 | 30 年 (360 個月) |
| 雙週供款 | 13,306 | 4,201,850 | 約 25.7 年 |
| 差異 (雙週 − 每月) | — | 節省 1,378,506 | 提早約 6.3 年 |
理財情境案例
Case 1: The interest-saving power of biweekly payments
An owner borrows HK$4,000,000 at 7% over 30 years, normal monthly payment about HK$26,612. Switching to HK$13,306 every two weeks (half the monthly instalment).
Because 26 half-payments a year equal 13 months, total interest falls from about HK$5,580,356 to about HK$4,201,850 — saving about HK$1,378,506 and clearing the loan about 6.3 years earlier. The annual outlay is only about one extra month's payment, yet saves nearly HK$1.38 million in interest over 30 years.
Case 2: Replicating biweekly without a bank plan
The owner's bank offers no biweekly plan (common in Hong Kong), but he understands the saving comes from 'one extra month a year'.
He keeps the normal HK$26,612 monthly payment and adds about HK$2,218 (one month's instalment / 12) as an extra monthly principal payment. Over a year this extra (2,218 x 12 = about 26,600) equals roughly one extra month, giving similar interest and term savings. The key is 'pay an extra month of principal a year', not the biweekly format itself.
常見問題
Why does paying biweekly save interest?
You make 26 half-payments a year, equal to 13 monthly payments — one extra month of principal annually. More principal paid earlier means less interest accrues over the life of the loan.
My bank has no biweekly plan. What can I do?
In Hong Kong this is common. Add about one month's instalment divided by 12 as an extra monthly payment (or an annual lump sum of one month's instalment). The extra principal over a year is roughly the same, giving similar interest savings. Check that you are not within a penalty period.
Is biweekly repayment risky?
It is a 'painless' acceleration as long as your cash flow can absorb the slightly higher annual outlay. Compare the saving against any early-repayment charges before committing.
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。