This calculator can be used to estimate the prepayment charge that would apply if you prepaid the full amount of your mortgage loan. You will need to input certain details about your CIBC mortgage loan into this calculator..The calculations below three months' interest and interest rate di.erential can be used to estimate the prepayment penalty charge that would apply if you prepaid the full amount of your mortgage loan..Calculate your prepayment charge and determine whether it is to your advantageor disadvantageto break your current closed mortgage. This quick calculator will show you how much it may cost to prepay your mortgage, in part or in full..