<?xml version="1.0" encoding="US-ASCII"?>  
<!-- Generated by CompSci Transform (tm) - http://www.compsciresources.com -->    
<!-- Created: Sat Mar 07 06:35:36 UTC 2026 -->  
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      <link:linkbaseRef xlink:type="simple" xlink:href="fhb-20251231_pre.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef"/>  
      <link:linkbaseRef xlink:type="simple" xlink:href="fhb-20251231_def.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef"/>     
      <link:roleType roleURI="http://fhb.com/role/AdditionalDimensions" id="fhb_r_AdditionalDimensions">     
        <link:definition>999000 - Disclosure - Pay vs Performance Disclosure - Additional Dimensions</link:definition>    
        <link:usedOn>link:presentationLink</link:usedOn>  
        <link:usedOn>link:definitionLink</link:usedOn>     
        <link:usedOn>link:calculationLink</link:usedOn> 
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  <xs:import namespace="http://xbrl.sec.gov/ecd/2025" schemaLocation="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd"/> 
  <xs:import namespace="http://xbrl.sec.gov/dei/2025" schemaLocation="https://xbrl.sec.gov/dei/2025/dei-2025.xsd"/> 
  <xs:import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>    
  <xs:import namespace="http://www.xbrl.org/dtr/type/2024-01-31" schemaLocation="https://www.xbrl.org/dtr/type/2024-01-31/types.xsd"/>     
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  <xs:element name="DividendsOrOtherEarningsPaidOnEquityAwardsNotOtherwiseReflectedInFairValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fhb_DividendsOrOtherEarningsPaidOnEquityAwardsNotOtherwiseReflectedInFairValueMember"/> 
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  <xs:element name="EquityAwardsAdjustmentsChangeInFairValueAsOfYearEndOfOutstandingAndUnvestedAwardsGrantedInPriorYearsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fhb_EquityAwardsAdjustmentsChangeInFairValueAsOfYearEndOfOutstandingAndUnvestedAwardsGrantedInPriorYearsMember"/>   
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  <xs:element name="EquityAwardsValueInSummaryCompensationTableGrantDateValueMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fhb_EquityAwardsValueInSummaryCompensationTableGrantDateValueMember"/>  
  <xs:element name="NetAdjustmentsForPensionMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fhb_NetAdjustmentsForPensionMember"/> 
  <xs:element name="PensionAdjustmentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fhb_PensionAdjustmentsMember"/>    
  <xs:element name="PensionAdjustmentsPriorServiceCostMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fhb_PensionAdjustmentsPriorServiceCostMember"/> 
  <xs:element name="PensionAdjustmentsServiceCostMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fhb_PensionAdjustmentsServiceCostMember"/> 
  <xs:element name="PensionValueInCompensationTableForTheApplicableYearMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fhb_PensionValueInCompensationTableForTheApplicableYearMember"/>     
  <xs:element name="TotalEquityAwardsAdjustmentsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fhb_TotalEquityAwardsAdjustmentsMember"/>    
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  <xs:element name="TotalNetAdjustmentsForEquityAwardsMember" type="dtr:domainItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item" id="fhb_TotalNetAdjustmentsForEquityAwardsMember"/> 
</xs:schema>
