Business Loan Calculator
On an equal-monthly-instalment basis, compute the monthly payment, total repayment and total interest for a business loan.
輸入資料
計算結果
重點速覽：A business loan is funds borrowed by a company or sole proprietor for working capital, expansion, equipment or seasonal gaps. This calculator uses the common equal-instalment (annuity) method. r = annual rate / 12, n = years x 12; monthly payment = principal x r x (1+r)^n / ((1+r)^n - 1); total = payment x n; interest = total - principal. Example: HK$2,000,000 at 6% for 5y → monthly ~HK$38,665.60, total ~HK$2,319,936, interest ~HK$319,936. Check stable cash flow covers the payment; compare APR, fees and prepayment terms. WARNING: Assumes fixed rate/fixed payment; real loans may be floating, revolving or guaranteed, with arrangement/commitment fees raising true cost. Estimate only.
計算公式
月利率 = 年利率 ÷ 12;期數 = 還款年期 × 12。
每月供款 = 本金 × 月利率 × (1+月利率)^期數 ÷ [(1+月利率)^期數 − 1]。
總還款額 = 每月供款 × 期數;總利息 = 總還款額 − 本金。
$$M = P \times \dfrac{r\,(1+r)^n}{(1+r)^n - 1}$$$$r = \dfrac{\text{annualRate}}{12},\quad n = \text{years} \times 12$$$$\text{Total} = M \times n,\quad \text{Interest} = \text{Total} - P$$使用說明
- Enter the loan principal.
- Enter the annual rate and term.
- View the monthly payment, total repayment and interest.
以年利率 6%、還款 5 年 (60 期) 為例，不同貸款本金對應的每月供款、總還款額與總利息對照表
| 貸款本金 | 每月供款 | 總還款額 | 總利息 |
|---|---|---|---|
| HK$1,000,000 | HK$19,332.80 | HK$1,159,968 | HK$159,968 |
| HK$2,000,000 | HK$38,665.60 | HK$2,319,936 | HK$319,936 |
| HK$3,000,000 | HK$57,998.40 | HK$3,479,904 | HK$479,904 |
| HK$5,000,000 | HK$96,664.01 | HK$5,799,840 | HK$799,840 |
理財情境案例
還款期長短的取捨:200 萬借 3 年 vs 7 年
陳先生的貿易公司需借入 HK$2,000,000 週轉，年利率 6%，正考慮還款年期。
3 年:每月供款約 HK$60,844，總利息約 HK$190,380;7 年:每月供款約 HK$29,217，總利息約 HK$454,237。
年期由 3 年拉長到 7 年，每月供款減少逾一半 (現金流壓力大減)，但總利息卻由約 19 萬增至約 45 萬，多付近 26 萬。
結論:年期越長月供越輕、但總利息越重。應在『每月供款能被現金流輕鬆覆蓋』的前提下，盡量縮短年期以節省利息。
利率差一點、成本差很多:100 萬 5 年，4% vs 8%
同樣借 HK$1,000,000、還款 5 年，只是年利率不同。
4%:每月供款約 HK$18,417，總利息約 HK$104,991;6%:月供約 HK$19,333，總利息約 HK$159,968;8%:月供約 HK$20,276，總利息約 HK$216,584。
利率由 4% 升到 8%，每月供款只多約 HK$1,860，但 5 年總利息由約 10.5 萬暴增至約 21.7 萬，多付逾一倍。
啟示:比較貸款時不能只看月供，更要看整體利息與實際年利率 (APR)，並把手續費、開辦費一併計入才反映真正成本。
常見問題
Is the interest shown the full cost?
No. This calculates only interest at the nominal rate. Real business loans usually add arrangement, handling and commitment fees, and may need a personal guarantee or collateral. Compare the APR and all fees, not just the rate, to see the true cost.
How is a business loan different from a personal loan?
A business loan is in the company's name, needs financials and operating history, has higher limits and business use, with rate/terms by corporate credit and collateral; a personal loan is in your name, assessed on personal credit and income. Tax treatment and liability also differ.
What term should I pick?
Longer term lowers the monthly payment but raises total interest; shorter reverses it. Keep the payment comfortably covered by stable cash flow, while minimising the term to save interest, and keep a buffer for lean seasons.
What Hong Kong SME loan schemes exist?
The government runs several SME financing supports, e.g. the SME Financing Guarantee Scheme (SFGS) operated by the Hong Kong Mortgage Corporation Limited, with partial government guarantees to help SMEs borrow from participating banks; the TID also runs the SME Credit Guarantee Scheme. Rates, guarantee ratios and eligibility change, so check with participating institutions or the relevant departments for the latest.
Does early repayment save interest, and are there penalties?
Paying principal early reduces future interest on an annuity loan, theoretically saving overall. But many business loans have a prepayment penalty or lock-in; early clearance may incur penalty interest or fees that offset the saving. Read the prepayment clause before signing and check if it truly pays off.
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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）、工業貿易署中小企業支援與諮詢中心及投資者及理財教育委員會（IFEC）之相關指引，結果僅供參考，實際以相關機構公佈為準。