Free property tools
Malaysia property calculators.
Compare today's lending rates at every Malaysian bank, work out your home loan repayment from the live OPR, and calculate legal fees, stamp duty and tenancy stamping — in seconds.
What did Budget 2027 change for home buyers?
Budget 2027, tabled on 9 October 2026, proposes a wider first-home stamp duty exemption for Malaysian citizens: homes up to RM500,000 stay fully exempt, and for homes up to RM750,000 the first RM500,000 is fully exempt and the balance gets 50% off. It covers the transfer and the loan agreement for SPAs signed from 1 January 2027 to 31 December 2030.
This is a proposal until the Finance Bill is passed. For SPAs signed in 2026 the current rule applies (full exemption up to RM500,000 only), and the calculator below uses the current rules. We will add the 2027 rule to the calculator once the details are confirmed.
As of 16 October 2026. Source: Bernama, 9 October 2026
Home loan calculator
New floating-rate home loans are priced as the Standardised Base Rate (SBR) plus the bank's spread. The SBR tracks the OPR, so this calculator starts from today's live rate.
Monthly repayment
RM3,958
Net monthly income if the instalment is ≤60% of it and you have no other debts. Banks set their own limits.
Home loan rates at every Malaysian bank
Every bank in Malaysia that offers home loans. The SBR is the same at every bank and follows the OPR, updated live from Bank Negara Malaysia. BR and BLR/BFR apply to older loans and differ by bank. Where a bank publishes its indicative rate for a standard RM350,000 home loan with no lock-in, we show it — tap Use to run it in the calculator.
Commercial banks
Maybank
Indicative home loan rate
3.90%
Advertised package from 4.35% · Maybank Maxi Home
SBR 2.75% · BR 2.75% · BLR/BFR 6.40%
Effective 11 Jul 2025 · Source
CIMB Bank
Advertised package from
4.35%
SBR 2.75% · BR 3.75% · BLR/BFR 6.60%
Effective 14 Jul 2025 · Source
Public Bank
Indicative home loan rate
4.10%
Advertised package from 4.22% · Public Bank MORE Plan
SBR 2.75% · BR 3.27% · BLR/BFR 6.47%
Effective 11 Jul 2025 · Source
RHB Bank
Indicative home loan rate
4.50%
Advertised package from 4.10% · RHB First Home Mortgage
SBR 2.75% · BR 3.50% · BLR/BFR 6.45%
Effective 11 Jul 2025 · Source
AmBank
Indicative home loan rate
4.00%
SBR 2.75% · BR 3.60% · BLR/BFR 6.45%
Effective 14 Jul 2025 · Source
Alliance Bank
Advertised package from
4.11%
Alliance Bank Conventional Home Loan
SBR 2.75% · BR 3.57% · BLR/BFR 6.42%
Effective 15 Jul 2025 · Source
UOB Malaysia
Indicative home loan rate
4.36%
SBR 2.75% · BR 3.61% · BLR/BFR 6.57%
Effective 11 Jul 2025 · Source
HSBC Malaysia
Advertised package from
4.30%
SBR 2.75% · BR 3.39% · BLR/BFR 6.49%
Effective 17 Jul 2025 · Source
Standard Chartered Malaysia
Advertised package from
4.20%
Standard Chartered MortgageOne Zero Cost
SBR 2.75%
BR/BLR not published online · Source
Bank of China (Malaysia)
SBR (live)
2.75%
SBR 2.75% · BR 3.55% · BLR/BFR 6.35%
Effective 15 Jul 2025 · Source
Islamic banks
Maybank Islamic
Indicative home loan rate
3.90%
Advertised package from 2.88% · Maybank Islamic HouzKEY
SBR 2.75% · BR 2.75% · BLR/BFR 6.40%
Effective 11 Jul 2025 · Source
CIMB Islamic
Advertised package from
4.35%
SBR 2.75% · BR 3.75% · BLR/BFR 6.60%
Effective 14 Jul 2025 · Source
Public Islamic Bank
SBR (live)
2.75%
SBR 2.75% · BR 3.27% · BLR/BFR 6.47%
Effective 11 Jul 2025 · Source
RHB Islamic
Indicative home loan rate
4.50%
SBR 2.75% · BR 3.50% · BLR/BFR 6.45%
Effective 11 Jul 2025 · Source
Hong Leong Islamic Bank
SBR (live)
2.75%
SBR 2.75% · BR 3.63% · BLR/BFR 6.64%
Effective 14 Jul 2025 · Source
AmBank Islamic
Indicative home loan rate
4.00%
SBR 2.75% · BR 3.60% · BLR/BFR 6.45%
Effective 14 Jul 2025 · Source
Alliance Islamic Bank
SBR (live)
2.75%
SBR 2.75% · BR 3.57% · BLR/BFR 6.42%
Effective 15 Jul 2025 · Source
Standard Chartered Saadiq
Advertised package from
3.90%
Standard Chartered Saadiq My HomeOne-i
SBR 2.75%
BR/BLR not published online · Source
MBSB Bank
Indicative home loan rate
4.20%
SBR 2.75% · BR 3.65% · BLR/BFR 6.50%
Effective 17 Jul 2025 · Source
Al Rajhi Bank Malaysia
Indicative home loan rate
3.85%
Advertised package from 3.65% · alrajhi bank Home One Account
SBR 2.75% · BR 3.85% · BLR/BFR 6.75%
Effective 15 Jul 2025 · Source
Kuwait Finance House (Malaysia)
SBR (live)
2.75%
SBR 2.75% · BR 3.25% · BLR/BFR 7.14%
Effective 15 Jul 2025 · Source
Development banks
Other licensed banks that don't offer retail home loans (22)
Affin Hwang Investment Bank · Alliance Investment Bank · AmInvestment Bank · CIMB Investment Bank · Hong Leong Investment Bank · KAF Investment Bank · Kenanga Investment Bank · Maybank Investment Bank · MIDF Amanah Investment Bank · Public Investment Bank · RHB Investment Bank · BNP Paribas Malaysia · Bank of America Malaysia · Deutsche Bank (Malaysia) · India International Bank (Malaysia) · J.P. Morgan Chase Bank Berhad · Mizuho Bank (Malaysia) · MUFG Bank (Malaysia) · Sumitomo Mitsui Banking Corporation Malaysia · Export-Import Bank of Malaysia (EXIM) · SME Bank · Bank Pembangunan Malaysia
Rates are checked weekly against each bank's official page or announcement. Last checked (19 Oct 2026). Advertised package rates are the lowest "from" rates listed on RinggitPlus; your actual rate depends on the bank's approval. Listings that only quote the SBR are left out.
Legal fees & stamp duty calculator
Lawyer fees on the Solicitors' Remuneration Order 2023 scale, plus 8% SST, and stamp duty on the transfer (MOT) and loan agreement.
RM720,000
Excludes disbursements (searches, registration, courier) and any state consent fee. First-home exemption: Malaysian citizens, first residential property up to RM500,000, SPA signed by 31 Dec 2027 (Budget 2027 proposes widening this to RM750,000 for SPAs signed from 1 Jan 2027 — see above; not yet in this calculator). Foreigners pay a flat 8% on the MOT from 1 Jan 2026.
Total
RM40,716
Tenancy agreement stamp duty calculator
From 1 January 2026 the RM2,400 exemption no longer applies, and tenancy agreements are stamped through e-Duti Setem on MyTax.
Stamp within 30 days of signing. Late: RM50 or 10% of the duty (within 3 months), then RM100 or 20%, whichever is higher.
Total
RM730
Get a precise quote for your case
Estimates only — not legal, tax or financial advice. Confirm figures with your bank and lawyer.