Honolulu Mortgage Rates - December 2025
By Kimo Stowell, REALTOR®, GREEN - Honolulu Hawai'i
(HI Pro Realty LLC RB-21531 )
Latest rates, based on 20 percent down, $200,000 owner-occupant mortgages. The rates and terms may vary; check with lenders for details. Rates may have changed click here to verify Wednesday, December 3, 2025 Lender Term/Type Interest Rate % Points % *APR American Savings Bank808-593-1226NMLS#423168 15-YR Fixed 4.875 2.000 5.303 30-YR Fixed 5.625 2.125 5.900 5-YR ARM 4.875 2.125 6.264 Bank of Hawaii877-616-2636 15-YR Fixed 5.125 0.750 5.240 30-YR Fixed 5.500 1.875 5.672 5-YR ARM 4.750 1.875 6.085 Central Pacific Bank808-544-0500NMLS#416603 15-YR Fixed 4.875 2.125 5.331 30-YR Fixed 5.500 2.250 5.789 5-YR ARM 5.625 0.000 6.501 Finance Factors808-548-3300NMLS#449916 15-YR Fixed 4.750 2.125 5.291 30-YR Fixed 5.500 2.375 5.854 5-YR ARM 5.375 1.500 6.439 First Hawaiian Bank808...
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