Guide
How Hawaii buyers should use this benchmark
Hawaii borrowers should pay close attention to jumbo pricing, condo project eligibility, and total monthly costs beyond principal and interest.
Updated July 02, 2026
Mortgage Rates Today in Hawaii
Hawaii borrowers can use the national PMMS benchmark as a starting point, then adjust for high loan balances, condo fees, insurance, and leasehold details.
Data source: Freddie Mac PMMS. Rates are planning benchmarks, not guaranteed lender offers.
Featured benchmark
6.43%APR 6.58%
Weekly PMMS benchmark for conforming purchase loans
Current rate table
Compare the weekly fixed-rate benchmark with a refinance planning estimate before requesting personalized quotes.
30-Year Fixed
Weekly PMMS benchmark for conforming purchase loans
Rate
6.43%
APR
6.58%
15-Year Fixed
Shorter term with lower lifetime interest
Rate
5.79%
APR
5.94%
Refinance Planning
Planning estimate based on the 30-year benchmark plus lender spread
Rate
6.58%
APR
6.73%
Calculator
Hawaii mortgage payment estimate
Estimate principal and interest with the current fixed-rate benchmark, then add local tax, insurance, and HOA assumptions for a full payment view.
Estimated monthly principal and interest
$4,518
Loan principal$720,000
Total interest$906,406
Total paid$1,626,406
Guide
What to verify with Hawaii lenders
Ask how the lender treats condo documentation, leasehold terms, insurance, and jumbo loan pricing.
Frequently asked questions
Are Hawaii mortgage rates different from national rates?
They can be. National averages are useful benchmarks, but actual quotes vary by lender, borrower profile, loan size, property type, occupancy, points, and local market factors.
How many Hawaii mortgage quotes should I compare?
Compare at least three quotes on the same day, and review APR, lender fees, points, credits, lock period, and cash-to-close before choosing.
Related mortgage tools
Mortgage Rates Today
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30-Year Fixed Mortgage Rates
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15-Year Fixed Mortgage Rates
Compare 15-year fixed mortgage rates and estimate payments for a shorter loan term.
Refinance Rates Today
Compare refinance rate benchmarks and estimate whether refinancing could lower your monthly payment.
Refinance Calculator
Estimate refinance savings, break-even timing, and payment changes using current mortgage rate assumptions.