Compare the latest housing loan interest rates from top Malaysian banks. Updated regularly, this page helps you choose the best mortgage rates and calculate your monthly repayments instantly.
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Current Malaysia Home Loan Rates (2025)
The table below compares interest rates, loan tenure, and monthly instalments for major Malaysian banks.
| Bank Name | Interest Rate (p.a.) | Loan Tenure (Years) | Monthly Instalment (RM) | Minimum Loan Amount (RM) | Apply Link |
|---|---|---|---|---|---|
| Maybank | 3.50% | Up to 35 | 1,850 | 100,000 | Apply Now → |
| CIMB | 3.55% | Up to 35 | 1,870 | 100,000 | Apply Now → |
| Hong Leong Bank | 3.60% | Up to 35 | 1,880 | 100,000 | Apply Now → |
| Public Bank | 3.65% | Up to 35 | 1,890 | 100,000 | Apply Now → |
| RHB Bank | 3.70% | Up to 35 | 1,900 | 100,000 | Apply Now → |
Pro Tip: Rates vary based on your credit profile, property value, and loan tenure. Always compare multiple banks before deciding.
Top 3 Banks with the Lowest Housing Loan Rates in 2025
- Maybank: 3.50% p.a. – Consistently among the lowest rates in Malaysia.
- CIMB: 3.55% p.a. – Offers flexible repayment options.
- Hong Leong Bank: 3.60% p.a. – Popular for competitive fixed-rate packages.
How to Get the Lowest Home Loan Rates in Malaysia
When applying for a home loan, keep these tips in mind:
- Maintain a good credit score – Banks reward low-risk borrowers with better rates.
- Choose the right tenure – Longer tenures lower monthly payments but increase total interest.
- Look out for promotions – Some banks offer seasonal home loan packages.
- Compare multiple banks – Don’t settle for the first offer you get.
OPR and Home Loan Rates in Malaysia
The Overnight Policy Rate (OPR), set by Bank Negara Malaysia (BNM), directly affects home loan interest rates.
- When OPR decreases, banks lower their Base Rate (BR), reducing your loan’s interest rate.
- When OPR increases, expect higher monthly repayments.
Read our full guide: How OPR Affects Home Loan Interest Rates in Malaysia →
Fixed vs. Floating Home Loan Rates
When choosing a home loan, you’ll need to decide between:
- Fixed Rate Loans – Interest rate stays the same for the entire tenure.
- Floating Rate Loans – Interest rate fluctuates based on market rates and OPR.
Tip: Fixed-rate loans offer stability, while floating rates may be cheaper when OPR is low.
Calculate Your Monthly Home Loan Instalments
Use our free House Loan Calculator Malaysia to find out your monthly repayment instantly based on:
- Loan amount
- Interest rate
- Loan tenure
Frequently Asked Questions (FAQ)
Q1. What is the current average home loan interest rate in Malaysia?
As of 2025, the average home loan rate in Malaysia ranges between 3.50% to 3.80% p.a., depending on the bank and loan package.
Q2. Which bank offers the lowest home loan rate in Malaysia?
Maybank and CIMB typically offer the most competitive rates, but this changes based on promotions and borrower profiles.
Q3. How often do home loan rates change?
Rates usually change when OPR is revised by Bank Negara Malaysia or when banks launch new packages.
Q4. What is the maximum tenure for home loans in Malaysia?
The maximum tenure is typically 35 years or until the borrower reaches the age of 70, whichever comes first.