RM200,000 Home Loan Malaysia — Best Rates & Monthly Instalment
Compare what a RM200,000 home loan actually costs across 11 banks. Below is the real monthly instalment for each lender at 20, 25, 30 and 35-year tenures — updated 7 Sep 2026, 3:19 PM MYT.
Bank Islam has the lowest effective rate at 3.55% p.a. — about RM903.68/month over 30 years (RM325,325 total).
You'd need roughly RM1,291/month gross household income to stay within the 70% debt-service-ratio (DSR) guideline at 30 years.
Monthly instalment for a RM200,000 home loan
| Bank & rate | 20 yr | 25 yr | 30 yr | 35 yr |
|---|---|---|---|---|
Bank IslamIslamic 3.55% eff. | RM1,165.06/mo | RM1,006.62/mo | RM903.68/mo | RM832.39/mo |
AmBank 4.00% eff. | RM1,211.96/mo | RM1,055.67/mo | RM954.83/mo | RM885.55/mo |
RHB BankIslamic 4.10% eff. | RM1,222.53/mo | RM1,066.75/mo | RM966.40/mo | RM897.59/mo |
Alliance Bank 4.11% eff. | RM1,223.58/mo | RM1,067.86/mo | RM967.56/mo | RM898.79/mo |
Standard Chartered 4.20% eff. | RM1,233.14/mo | RM1,077.88/mo | RM978.03/mo | RM909.70/mo |
Public Bank 4.22% eff. | RM1,235.27/mo | RM1,080.12/mo | RM980.37/mo | RM912.13/mo |
Maybank 4.35% eff. | RM1,249.16/mo | RM1,094.71/mo | RM995.62/mo | RM928.02/mo |
CIMB BankIslamic 4.35% eff. | RM1,249.16/mo | RM1,094.71/mo | RM995.62/mo | RM928.02/mo |
BSNIslamic 4.35% eff. | RM1,249.16/mo | RM1,094.71/mo | RM995.62/mo | RM928.02/mo |
UOB Bank 4.36% eff. | RM1,250.23/mo | RM1,095.83/mo | RM996.80/mo | RM929.25/mo |
Hong Leong Bank 4.75% eff. | RM1,292.45/mo | RM1,140.23/mo | RM1,043.29/mo | RM977.71/mo |
Figures use each bank's advertised effective rate; your actual rate depends on the property, your income and CCRIS/CTOS profile. "—" means that tenure exceeds the bank's max.
Frequently asked questions
At the lowest rate (3.55% from Bank Islam), about RM903.68/month over 30 years — RM325,325 in total. Higher rates cost more; see the full table above.
Bank Islam at 3.55% p.a. effective rate is the lowest on our panel for this amount.
Roughly RM1,291/month gross household income to stay within the 70% DSR guideline at 30 years. Lower incomes can still qualify with fewer existing commitments.