1Y KIBOR: 12.16% | SBP Policy: 11.5% | Effective: 30 Aug 2026

HBL Home Loan Comparison (HBL vs Other Banks 2026)

Compare HBL Islamic Home Finance profit rates, maximum tenures, advance payment rules, and processing fees against Meezan Bank, HBFC, and Bank Alfalah.

HBL Home Finance vs Other Mortgage Providers

Side-by-side comparison of HBL Islamic Home Finance against other institutions:

Feature	HBL Islamic Home	Meezan Easy Home	HBFC Ghar Pakistan	Bank Alfalah Ghar Asaan
Islamic Structure	Diminishing Musharakah	Diminishing Musharakah	Conventional / Diminishing	Diminishing Musharakah
Floating Benchmark	1Y KIBOR + 2.50% to 3.75%	1Y KIBOR + 2.50% to 3.50%	1Y KIBOR + 3.25% to 4.50%	1Y KIBOR + 2.75% to 4.00%
Max Tenure	25 Years	25 Years	20 Years	20 Years
Min Advance Payment	20% to 25%	20% to 25%	15% to 20%	20% to 30%

Compare HBL Islamic Home Finance with Meezan, HBFC & Alfalah

Property Market Valuation

PKR 15,000,000(1.50 Crore)

PKR 30 LakhPKR 6 Crore

Your Equity Contribution (Down Payment)

25%(PKR 3,750,000)

15% (Minimum)60% Equity

Financing Tenure20 Years (240 Months)

3 Years25 Years (300 Months Max)

Financing StructureRoshan Apna Ghar (Subsidized 7% p.a.)

1Y KIBOR (12.16%) + Bank Spread (2.75%):14.91% p.a.

Monthly Mortgage InstallmentDiminishing Musharakah

PKR 147,391

Estimated monthly payment for 20 years

Property Value:PKR 15,000,000

Down Payment (25%):PKR 3,750,000

Sanctioned Home Finance:PKR 11,250,000

Total Profit / Rental Paid:PKR 24,123,902

Total Amount Repaid:PKR 35,373,902

How Much House Can I Afford? →

HBL Islamic Home Finance Schedule

Complete month-by-month and yearly principal vs. markup distribution

Monthly EMI

PKR 147,391

Principal Loan

PKR 11,250,000

Total Interest

PKR 24,123,902

Total Payable

PKR 35,373,902

Year	Payment	Principal	Interest	Ending Balance
Yr 1	1,768,692	97,826	1,670,869	11,152,173
Yr 2	1,768,692	113,452	1,655,244	11,038,722
Yr 3	1,768,692	131,570	1,637,122	10,907,149
Yr 4	1,768,692	152,588	1,616,106	10,754,561
Yr 5	1,768,692	176,960	1,591,735	10,577,602
Yr 6	1,768,692	205,224	1,563,470	10,372,378
Yr 7	1,768,692	238,003	1,530,691	10,134,375
Yr 8	1,768,692	276,019	1,492,678	9,858,357
Yr 9	1,768,692	320,104	1,448,590	9,538,253
Yr 10	1,768,692	371,232	1,397,464	9,167,021
Yr 11	1,768,692	430,527	1,338,167	8,736,494
Yr 12	1,768,692	499,290	1,269,402	8,237,203
Yr 13	1,768,692	579,040	1,189,653	7,658,163
Yr 14	1,768,692	671,528	1,097,169	6,986,637
Yr 15	1,768,692	778,785	989,911	6,207,852
Yr 16	1,768,692	903,174	865,521	5,304,678
Yr 17	1,768,692	1,047,432	721,262	4,257,246
Yr 18	1,768,692	1,214,732	553,964	3,042,514
Yr 19	1,768,692	1,408,752	359,943	1,633,762
Yr 20	1,768,692	1,633,763	134,932	0

All figures in PKR. Rotate your phone or view on a larger screen for the full breakdown (balance & cumulative interest columns).

* Based on reducing balance amortization method in compliance with SBP PR-CF.Exported schedules suitable for financial audit & tax filing records.

Frequently Asked Questions (PAA Answers)

Does HBL offer competitive Islamic home loans compared to Meezan Bank?

Both HBL Islamic Banking and Meezan Bank offer competitive Diminishing Musharakah home financing with floating spreads starting around 1Y KIBOR + 2.50% and tenures up to 25 years.

Can I add a co-borrower to increase my HBL home loan eligibility?

Yes, HBL allows you to club the income of your spouse, parents, or employed children to qualify for a higher loan amount up to PKR 50 Million.