Boat (Yacht) Loan Calculator
From boat price, down payment, rate and term, compute the loan amount, monthly payment and total interest — then weigh down payment vs term.
輸入資料
計算結果
重點速覽：Loan = boat price - down payment. Monthly payment is the amortised (reducing-balance) instalment; total interest = total paid - principal. A larger down payment or shorter term lowers total interest. The calculator uses APR (reducing-balance), not a flat rate. Example: HK$800,000 yacht, 20% down, 6%, 15y → loan HK$640,000, monthly ~HK$5,401, interest ~HK$332,123.
計算公式
貸款額 = 船價 − 首期。
每月供款 = 貸款額 × 月利率 ÷ (1 − (1 + 月利率)^−期數)，月利率 = 年利率 ÷ 12。
總利息 = 每月供款 × 期數 − 貸款額。
$$\text{貸款額} = \text{船價} - \text{首期}$$$$r = \dfrac{\text{年利率}\%}{12},\quad n = \text{年期} \times 12$$$$\text{每月供款} = \text{貸款額} \times \dfrac{r}{1 - (1+r)^{-n}}$$使用說明
- Enter the boat price and down payment.
- Enter the annual rate (APR) and term.
- View loan amount, monthly payment and total interest.
以貸款額 640,000 (船價 800,000 − 首期 160,000)、年利率 6% 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 | 總利息 | 還款總額 |
|---|---|---|---|
| 10 年 | 7,105 | 212,637 | 852,637 |
| 15 年 | 5,401 | 332,123 | 972,123 |
| 20 年 | 4,585 | 460,438 | 1,100,438 |
理財情境案例
案例一：首期 20% vs 40%，總利息差逾八萬
王先生看中一艘 800,000 的遊艇，年利率 6%、還款 15 年，在首期 20% 與 40% 之間比較。
首期 20% (160,000)：貸款額 640,000，月供約 5,401，總利息約 332,123；首期 40% (320,000)：貸款額 480,000，月供約 4,051，總利息約 249,092。
多付 160,000 首期，月供由 5,401 降到 4,051、每月輕約 1,350，總利息更省約 83,031。但要留意：養船開支高昂，加大首期之餘仍須保留足夠現金應付泊位、保險與保養，別把流動性全押在船上。
案例二：年期 10 年 vs 20 年，月供減、利息卻翻倍
同樣貸款 640,000、年利率 6%，在 10 年與 20 年之間取捨。
10 年：月供約 7,105，總利息約 212,637；20 年：月供約 4,585，總利息約 460,438。
由 10 年拉長至 20 年，月供每月省約 2,520，但總利息由 212,637 增至 460,438、超過翻倍。遊艇是貶值又高持有成本的資產，把貸款年期拖到 20 年，很可能「船已老舊、數仍未清」，宜審慎評估。
常見問題
How does down payment change the cost?
A bigger down payment directly cuts the loan, so both the monthly payment and total interest fall. Comparison: at 20% down the monthly is ~HK$5,401 and interest ~HK$332k; at 40% down monthly ~HK$4,051 and interest ~HK$249k — HK$160k more down saves ~HK$83k interest. But keep enough cash for mooring, insurance and maintenance; do not lock all liquidity into the boat.
Why be careful with a long term?
Lengthening the term lowers the monthly payment but raises total interest sharply. Comparison: HK$640k at 6% over 10y monthly ~HK$7,105, interest ~HK$213k; over 20y monthly ~HK$4,585, interest ~HK$460k (more than double). Boats depreciate and are costly to keep; a 20-year term can leave 'the boat old but the loan unpaid'. Weigh carefully.
What costs are not in the monthly payment?
This is principal + interest only. Real ownership adds mooring/berth fees, insurance, maintenance and repairs, licensing and registration, and fuel. These often rival or exceed the finance cost, so budget the full cost of ownership, not just the instalment.
What rate basis should I compare?
Always compare on an APR (reducing-balance, effective annual rate) basis, including fees, not a flat rate (平息) some dealers quote. A flat rate understates the true cost. Ask for the APR and total cost of credit before signing.
Any Hong Kong notes?
Hong Kong boat loans are offered by banks and marine-finance firms; watch the APR, arrangement fees and early-repayment terms. Pleasure boats also carry licensing, insurance and berth costs. Keep the loan within your debt-servicing capacity (see the debt-to-income ratio) and do not over-leverage a depreciating asset.
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。