RHB Home Loan Calculator
Estimate your monthly RHB home loan payment at current rates. Free, no signup.
fin·calc is an independent, unaffiliated calculator — not endorsed by, sponsored by, or affiliated with RHB. "RHB" is used only to describe typical rates and terms; confirm actual terms directly with the bank.
RHB home loan rate
| Lender | Typical rate | Max term |
|---|---|---|
| RHB | 4.45% 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 RHB home loan at 4.45% for 30 years.
- Monthly payment: RM2,519
- Total interest: RM406,694
- Total payable: RM906,694
Frequently Asked Questions
What is the RHB home loan rate?
RHB home loan rates are around 4.45% p.a. as a 2026 reference. SBR-linked; BNM OPR 2.75%. Your exact rate depends on your profile and deposit.
How is the RHB 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.
RHB home loan rates, September 2026
RHB's SBR is 2.75% p.a., Base Rate is 3.50% p.a., and Base Lending Rate is 6.45% p.a., all effective since 11 July 2025. RHB states its indicative effective lending rate for a representative RM350,000, 30-year housing loan with no lock-in period is 4.50% p.a. Bank Negara Malaysia held the OPR at 2.75% p.a. at its 3 September 2026 meeting.
Worked example: RM500,000 RHB loan at 4.50% p.a. over 30 years
r = 0.045/12 = 0.00375, n = 360, (1+r)n ≈ 3.8477.
M ≈ RM2,533.43 per month. Total repayments ≈ RM912,035; interest ≈ RM412,035.
Frequently Asked Questions
What is RHB's current Base Rate and SBR?
RHB's SBR is 2.75% p.a., Base Rate is 3.50% p.a., and Base Lending Rate is 6.45% p.a., effective since 11 July 2025.
What effective interest rate does RHB quote for home loans?
RHB cites an indicative effective lending rate of 4.50% p.a. for a representative RM350,000, 30-year housing loan with no lock-in period.
Is RHB's home loan rate linked to the OPR?
Yes. RHB's SBR is benchmarked directly to Bank Negara Malaysia's Overnight Policy Rate, held at 2.75% p.a. at its 3 September 2026 policy meeting.
Islamic vs conventional financing at RHB
RHB Bank writes conventional housing loans priced off its Standardised Base Rate (SBR), while RHB Islamic sells the same kind of financing structured as Home Financing-i using a Commodity Murabahah (cost-plus-profit) contract rather than interest. Both benchmarks move together: RHB's rate sheet lists its SBR and Standardised Base Rate Islamic (SBRi) at an identical 2.75% p.a., its Base Rate and Base Rate Islamic at 3.50% p.a., and its Base Lending Rate / Base Financing Rate at 6.45% p.a., all effective since 11 July 2025. RHB Islamic's product also carries a stated ceiling profit rate of 10.25% p.a., a cap that protects Islamic customers if the SBRi were to rise sharply — conventional term-loan customers do not get an equivalent ceiling written into the rate sheet.
In practice this means the choice between RHB's conventional loan and RHB Islamic's Home Financing-i comes down to contract preference (interest vs. a Shariah-compliant trade-based structure) more than headline pricing, since RHB benchmarks both off the same SBR/SBRi and the bank's own indicative effective lending rate — around 4.50% p.a. for a representative RM350,000, 30-year loan with no lock-in — applies across the standard range.
Lock-in period and early settlement
RHB's own rate disclosure describes "a standard housing loan" as one for RM350,000 over 30 years with no lock-in period, and the same wording applies to its standard home financing-i. For RHB's everyday housing loan and Home Financing-i, that means no lock-in period and no early-settlement charge if you refinance or sell.
That is not universal across every RHB property product, though. RHB's Commodity Murabahah Property Financing-i (a related but different facility) carries a 3-year lock-in period counted from the date of first disbursement, with an early-settlement charge inside that window calculated as [(a−b)/100] × c × (d/365) plus initial costs — where a is RHB's currently published profit rate, b is the discounted rate you were given, c is the original financing amount and d is the number of days you held the financing. If you're comparing RHB products, check which facility you're being offered: the standard home loan/Home Financing-i is lock-in-free, but a property financing-i variant is not.
First-time buyers: RHB and the SJKP guarantee
RHB is one of the banks participating in Skim Jaminan Kredit Perumahan (SJKP), the government-backed scheme that lets first-time buyers without conventional payslips — gig workers, the self-employed, small business owners — get home financing with the government guaranteeing the amount above what the property is normally worth in a lender's eyes. RHB's own SJKP product, the Commodity Murabahah SJKP Home Financing-i, is open to Malaysian citizens aged 18 and above who are first-time home buyers with fixed or non-fixed income, including salaried, government and self-employed applicants. It finances up to 100% of a property's price (plus up to 10% for takaful, legal and valuation fees), with total financing capped at RM500,000, and joint applications with family members are allowed — but the financing is for owner-occupied homes, not investment purchases.
RHB confirmed its SJKP partnership in a media release announcing it would "offer home financing to first-time [buyers]" under the scheme. If you don't have a traditional salary slip but can show fixed or non-fixed income, RHB's SJKP product is worth comparing against its standard Home Financing-i, which has no such income-documentation workaround built in.
Related calculators
Sources
- Saving/Current Account & Lending Rates, RHB Bank Malaysia, September 2026 (accessed 26 September 2026)
- Monetary Policy Statement, Bank Negara Malaysia, 3 September 2026 (accessed 26 September 2026)
- Product Disclosure Sheet, Commodity Murabahah for Home/Property (Full Flexi), RHB Islamic (accessed 26 September 2026)
- RHB Islamic, Product Disclosure Sheet, Commodity Murabahah SJKP Home Financing-i (valid from 13 December 2025) (accessed 15 October 2026)
- Syarikat Jaminan Kredit Perumahan (SJKP), Kelayakan Permohonan (accessed 15 October 2026)
- RHB Partners SJKP to Offer Home Financing to First-Time Home Buyers, RHB media release, 15 June 2023 (accessed 26 September 2026)
- Rakan Kongsi Bank & Institusi Kewangan, SJKP (accessed 26 September 2026)