Public Bank Home Loan Calculator
Estimate your monthly Public Bank home loan payment at current rates. Free, no signup.
fin·calc is an independent, unaffiliated calculator — not endorsed by, sponsored by, or affiliated with Public Bank. "Public Bank" is used only to describe typical rates and terms; confirm actual terms directly with the bank.
Public Bank home loan rate
| Lender | Typical rate | Max term |
|---|---|---|
| Public Bank | 4.35% p.a. | up to 30 years |
SBR-linked; BNM OPR 2.75%. Your rate depends on your profile and deposit — verify with the bank.
Worked example
Example: RM500,000 Public Bank home loan at 4.35% for 30 years.
- Monthly payment: RM2,489
- Total interest: RM396,061
- Total payable: RM896,061
Frequently Asked Questions
What is the Public Bank home loan rate?
Public Bank home loan rates are around 4.35% p.a. as a 2026 reference. SBR-linked; BNM OPR 2.75%. Your exact rate depends on your profile and deposit.
How is the Public Bank monthly payment calculated?
Using the reducing-balance formula on the financed amount. Enter your amount, rate and term in the calculator above.
How much deposit do I need?
A larger deposit lowers your rate and total cost. Most lenders also add valuation, legal and registration fees on top of the deposit.
Can I reduce the total cost?
Yes — a bigger deposit, shorter term, and extra/early repayments all cut total interest. Check for any early-repayment charges first.
Public Bank home loan rates, September 2026
Public Bank revised its lending benchmarks on 11 July 2025, matching Bank Negara Malaysia's OPR cut to 2.75%: SBR fell to 2.75% p.a., BR to 3.27% p.a., and BLR to 6.47% p.a. Those figures were unchanged as at September 2026. Public Bank's SBR-linked 5 HOME Plan flexi loan gives an illustrative effective lending rate in the high-3% range.
Worked example: RM500,000 Public Bank loan at an illustrative 3.85% p.a. over 30 years
r = 0.0385/12 = 0.0032083, n = 360, (1+r)n ≈ 3.1682.
M ≈ RM2,344.04 per month. Total repayments ≈ RM843,854; interest ≈ RM343,854.
Frequently Asked Questions
What is Public Bank's current Base Rate and SBR?
Following its 11 July 2025 revision, Public Bank's SBR is 2.75% p.a., Base Rate is 3.27% p.a., and Base Lending Rate is 6.47% p.a., unchanged as at September 2026.
Has Public Bank changed its rates recently?
No. Bank Negara Malaysia held the OPR at 2.75% p.a. at its 3 September 2026 meeting, so SBR-linked lenders including Public Bank have kept their base rates steady since July 2025.
How is Public Bank's home loan rate calculated?
Public Bank's SBR-linked home loans are priced as the 2.75% p.a. SBR plus a lender-assessed spread, producing an effective lending rate typically in the high-3% to low-4% range.