A $150,000 HELOC amortized over 10 years at a 7.89% interest rate yields a monthly payment of approximately $1,811.21, and amortized over 15 years at the same rate yields a monthly payment of approximately $1,423.97 (example figures cited in October 2025).
October 01, 2025
high
statistical
Illustrative monthly-payment calculations for a $150,000 HELOC at 7.89% interest.