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 6 Jul 2026, 11:20 AM MYT.
Public Bank has the lowest effective rate at 3.65% p.a. — about RM914.92/month over 30 years (RM329,371 total).
You'd need roughly RM1,307/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 |
|---|---|---|---|---|
Public Bank 3.65% eff. | RM1,175.39/mo | RM1,017.41/mo | RM914.92/mo | RM844.06/mo |
Hong Leong Bank 3.70% eff. | RM1,180.58/mo | RM1,022.83/mo | RM920.57/mo | RM849.92/mo |
Maybank 3.75% eff. | RM1,185.78/mo | RM1,028.26/mo | RM926.23/mo | RM855.81/mo |
RHB BankIslamic 3.78% eff. | RM1,188.90/mo | RM1,031.53/mo | RM929.64/mo | RM859.35/mo |
CIMB BankIslamic 3.80% eff. | RM1,190.99/mo | RM1,033.71/mo | RM931.91/mo | RM861.72/mo |
AmBank 3.85% eff. | RM1,196.21/mo | RM1,039.18/mo | RM937.62/mo | RM867.65/mo |
Alliance Bank 3.88% eff. | RM1,199.35/mo | RM1,042.47/mo | RM941.05/mo | RM871.21/mo |
UOB Bank 3.92% eff. | RM1,203.55/mo | RM1,046.86/mo | RM945.63/mo | RM875.98/mo |
Standard Chartered 3.95% eff. | RM1,206.70/mo | RM1,050.16/mo | RM949.07/mo | RM879.56/mo |
 Bank IslamIslamic 4.05% eff. | RM1,217.24/mo | RM1,061.20/mo | RM960.60/mo | RM891.56/mo |
BSNIslamic 4.10% eff. | RM1,222.53/mo | RM1,066.75/mo | RM966.40/mo | RM897.59/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 (3.65% from Public Bank), about RM914.92/month over 30 years — RM329,371 in total. Higher rates cost more; see the full table above.
Public Bank at 3.65% p.a. effective rate is the lowest on our panel for this amount.
Roughly RM1,307/month gross household income to stay within the 70% DSR guideline at 30 years. Lower incomes can still qualify with fewer existing commitments.