RM300,000 Home Loan Malaysia — Best Rates & Monthly Instalment
Compare what a RM300,000 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 RM1,355.52/month over 30 years (RM487,988 total).
You'd need roughly RM1,936/month gross household income to stay within the 70% debt-service-ratio (DSR) guideline at 30 years.
Monthly instalment for a RM300,000 home loan
| Bank & rate | 20 yr | 25 yr | 30 yr | 35 yr |
|---|---|---|---|---|
Bank IslamIslamic 3.55% eff. | RM1,747.60/mo | RM1,509.93/mo | RM1,355.52/mo | RM1,248.58/mo |
AmBank 4.00% eff. | RM1,817.94/mo | RM1,583.51/mo | RM1,432.25/mo | RM1,328.32/mo |
RHB BankIslamic 4.10% eff. | RM1,833.79/mo | RM1,600.12/mo | RM1,449.60/mo | RM1,346.38/mo |
Alliance Bank 4.11% eff. | RM1,835.38/mo | RM1,601.79/mo | RM1,451.34/mo | RM1,348.19/mo |
Standard Chartered 4.20% eff. | RM1,849.71/mo | RM1,616.83/mo | RM1,467.05/mo | RM1,364.55/mo |
Public Bank 4.22% eff. | RM1,852.91/mo | RM1,620.18/mo | RM1,470.56/mo | RM1,368.20/mo |
Maybank 4.35% eff. | RM1,873.74/mo | RM1,642.06/mo | RM1,493.44/mo | RM1,392.03/mo |
CIMB BankIslamic 4.35% eff. | RM1,873.74/mo | RM1,642.06/mo | RM1,493.44/mo | RM1,392.03/mo |
BSNIslamic 4.35% eff. | RM1,873.74/mo | RM1,642.06/mo | RM1,493.44/mo | RM1,392.03/mo |
UOB Bank 4.36% eff. | RM1,875.35/mo | RM1,643.75/mo | RM1,495.20/mo | RM1,393.87/mo |
Hong Leong Bank 4.75% eff. | RM1,938.67/mo | RM1,710.35/mo | RM1,564.94/mo | RM1,466.57/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 RM1,355.52/month over 30 years — RM487,988 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 RM1,936/month gross household income to stay within the 70% DSR guideline at 30 years. Lower incomes can still qualify with fewer existing commitments.