HBL Home Financing Calculator
Estimate your HBL home-financing installment in PKR at SBP-linked rates. Free, no signup.
Rs
%
yrs
Your monthly paymentRs 71,445
PrincipalRs 5,000,000
Total interestRs 12,146,808
TotalRs 17,146,808
Calculated live on this page · reference rates June 2026. Open the full tool →
HBL home financing rate
| Provider | Effective rate | Max tenure |
|---|---|---|
| HBL | 16.5% p.a. | up to 25 years |
SBP policy ~11% + bank markup. Reference 2026 — verify with the bank.
Worked example
Example: PKR 5,000,000 HBL home financing at 16.5% for 20 years.
- Monthly installment: PKR 71,445
- Total markup: PKR 12,146,808
- Total payable: PKR 17,146,808
Frequently Asked Questions
What is the HBL home financing rate?
HBL home financing is around 16.5% p.a. (2026 reference): SBP policy ~11% plus markup. Verify with the bank.
How is the HBL installment calculated?
Reducing-balance formula on the financed amount — enter your numbers in the calculator above.
Is this Shariah-compliant?
Conventional. For Shariah-compliant financing, see Meezan.
What tenure is available?
Up to about 25 years, subject to age and income.