Malaysia OPR Tracker 2026 — Live BNM Rate & Loan Impact
Real-time Overnight Policy Rate tracker · Countdown to next BNM MPC decision · Instant home loan repayment calculator
Overnight Policy Rate (OPR)
Next BNM MPC Meeting
Thursday, 7 May 2026
⏱ Countdown to 3 PM MYT
How will the May 7th decision affect your home loan?
Enter your loan details, then pick a scenario to see your new monthly repayment instantly.
Projected Impact
Current Payment
—
at —% p.a.
New Payment
—
at —% p.a.
Monthly Difference
—
per month
ⓘ Assumes 30-year (360-month) amortisation on outstanding balance. Your actual repayment may differ — contact your bank for a personalised quote.
BNM OPR Historical Decisions
2021 – 2026| MPC Date | OPR | Change | Decision |
|---|---|---|---|
| 5 Mar 2026 | 2.75% | — | No Change |
| 22 Jan 2026 | 2.75% | — | No Change |
| 6 Nov 2025 | 2.75% | — | No Change |
| 4 Sep 2025 | 2.75% | — | No Change |
| 9 Jul 2025 | 2.75% | ▼ −0.25% | Rate Cut |
| 8 May 2025 | 3.00% | — | No Change |
| 6 Mar 2025 | 3.00% | — | No Change |
| 22 Jan 2025 | 3.00% | — | No Change |
| 6 Nov 2024 | 3.00% | — | No Change |
| 5 Sep 2024 | 3.00% | — | No Change |
| 11 Jul 2024 | 3.00% | — | No Change |
| 9 May 2024 | 3.00% | — | No Change |
| 7 Mar 2024 | 3.00% | — | No Change |
| 24 Jan 2024 | 3.00% | — | No Change |
| 2 Nov 2023 | 3.00% | — | No Change |
| 7 Sep 2023 | 3.00% | — | No Change |
| 6 Jul 2023 | 3.00% | — | No Change |
| 3 May 2023 | 3.00% | ▲ +0.25% | Rate Hike |
| 9 Mar 2023 | 2.75% | — | No Change |
| 19 Jan 2023 | 2.75% | — | No Change |
| 3 Nov 2022 | 2.75% | ▲ +0.25% | Rate Hike |
| 8 Sep 2022 | 2.50% | ▲ +0.25% | Rate Hike |
| 6 Jul 2022 | 2.25% | ▲ +0.25% | Rate Hike |
| 11 May 2022 | 2.00% | ▲ +0.25% | Rate Hike |
| 3 Mar 2022 | 1.75% | — | No Change |
| 20 Jan 2022 | 1.75% | — | No Change |
| 3 Nov 2021 | 1.75% | — | No Change |
| 9 Sep 2021 | 1.75% | — | No Change |
| 8 Jul 2021 | 1.75% | — | No Change |
| 6 May 2021 | 1.75% | — | No Change |
| 4 Mar 2021 | 1.75% | — | No Change |
| 20 Jan 2021 | 1.75% | — | No Change |
Data from official BNM MPC press statements. OPR shown is the rate after the decision. Last updated May 2026. Full BNM OPR history ↗
What is Malaysia’s OPR?
The Overnight Policy Rate (OPR) is Bank Negara Malaysia’s key monetary policy instrument. It sets the interest rate at which banks lend to each other overnight, directly influencing the Base Rate (BR) and Base Lending Rate (BLR) used to price all floating-rate loans — including home loans, car loans, and personal financing.
How does an OPR change affect your home loan?
When BNM adjusts the OPR, Malaysian banks typically revise their Base Rate within days. For every 0.25% change, a borrower with RM 450,000 outstanding on a 30-year term can expect their monthly repayment to shift by roughly RM 65–70. Use the calculator above for your exact figure.
BNM MPC Meeting Dates 2026
The MPC meets six times a year. 2026 scheduled dates: 22 Jan, 5 Mar, 7 May, 9 Jul, 4 Sep, 6 Nov. Decisions are announced at 3:00 PM MYT.