**Note: For exceeding 120 no. of payments, a group of 12 payments will be combined into a single payment number for better chart visibility.
| Period | Payment | Interest | Balance |
|---|
| No | Bank Name | Bank Spread (p.a.) | Estimated Effective Rate | Remarks |
| 1 | Hong Leong Bank (HLB) | SBR + 0.85 ~ 1.30 % | 3.60 % ~ 4.05 % | Competitive; best for salary-credit clients |
| 2 | CIMB Bank | SBR + 1.50 % | 4.25 % | Standard rate for most new mortgages |
| 3 | UOB Malaysia | SBR + 0.95 ~ 1.55 % | 3.70 % ~ 4.30 % | Strong for high-income borrowers |
| 4 | Affin Bank | SBR + 1.05 ~ 1.65 % | 3.80 % ~ 4.40 % | Moderate spread |
| 5 | Alliance Bank | SBR + 1.05 ~ 1.65 % | 3.80 % ~ 4.40 % | Popular for refinancing |
| 6 | AmBank | SBR + 1.05 ~ 1.75 % | 3.80 % ~ 4.50 % | Business-friendly criteria |
| 7 | Maybank | SBR + 0.85 ~ 1.55 % | 3.60 % ~ 4.30 % | Broad package range |
| 8 | Public Bank | SBR + 0.85 ~ 1.55 % | 3.60 % ~ 4.30 % | Strong for low-risk profiles |
| 9 | RHB Bank | SBR + 0.85 ~ 1.55 % | 3.60 % ~ 4.30 % | Flexible tenure options |
| 10 | OCBC Bank (Malaysia) | SBR + 1.00 ~ 1.75 % | 3.75 % ~ 4.50 % | Preferred for expatriate clients |
| 11 | Bank Muamalat | SBR + 1.05 ~ 1.85 % | 3.80 % ~ 4.60 % | Islamic financing |
| 12 | Bank Islam | SBR + 1.05 ~ 1.85 % | 3.80 % ~ 4.60 % | Popular Shariah products |
| 13 | Bank Simpanan Nasional (BSN) | SBR + 1.00 ~ 1.85 % | 3.75 % ~ 4.60 % | For government employees |
| 14 | Kuwait Finance House (KFH Malaysia) | SBR + 1.05 ~ 1.85 % | 3.80 % ~ 4.60 % | Islamic premium segment |
For loan amount below RM300K → Estimated: SBR + 1.85 % (~4.60 % or above)
SJKP Loan Standard: SBR + 1.85 % ~ 2.00 % (≈ 4.60 % ~ 4.75 % p.a.)
* Final rate subject to client income profile and credit score*
| No | Bank Name | Base Lending / Financing Rate (BLR/BFR) | Remarks |
| 1 | Hong Leong Bank (HLB) | 6.64 % | Board rate published July 2025 |
| 2 | CIMB Bank | 6.60 % | Post-OPR revision |
| 3 | UOB Malaysia | 6.57 % | Official rate 11 Jul 2025 |
| 4 | Affin Bank | 6.56 % | Standard commercial rate |
| 5 | Alliance Bank | 6.42 % | Board rate June 2025 |
| 6 | AmBank | 6.45 % | Updated 2025 |
| 7 | Maybank | 6.40 % | Maybank2u official page |
| 8 | Public Bank | 6.47 % | Public Bank BLR schedule |
| 9 | RHB Bank | 6.45 % | RHB official rates |
| 10 | OCBC Bank Malaysia | 6.51 % | OCBC business loan page |
| 11 | Bank Muamalat (BFR) | 6.56 % | Islamic equivalent |
| 12 | Bank Islam (BFR) | 6.47 % | Islamic equivalent |
| 13 | Bank Simpanan Nasional (BSN) | 6.35 % | Lowest among local banks |
| 14 | Kuwait Finance House (KFH Malaysia) | 7.14 % | High-tier Islamic BFR rate |
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