Contributions2 min read · Updated October 21, 2026

PhilHealth and Pag-IBIG contributions in 2026

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

PhilHealth takes 5% of your salary, shared with your employer. Pag-IBIG takes 2% of up to ₱10,000.

The numbers

PhilHealth rates can change by circular. Check the latest figures before you plan around them.

How much is the PhilHealth contribution?

5% of monthly salary, shared equally with your employer.

What is the maximum Pag-IBIG contribution?

₱200 a month for the employee.

Published October 21, 2026. Estimates, not tax or mortgage advice.