Affin Bank
AFFIN Home Flexi Plus
AFFIN Home Flexi Plus is a conventional full flexi home loan, from 3.95% (SBR + 1.20% PDS illustration), up to 90% margin, 35-year tenure.
- Type
- Conventional loan
- Flexibility
- Full flexi
- Rate
- 3.95%
- Rate basis
- SBR + 1.20% (PDS illustration)
- Max margin
- 90%
- Max tenure
- 35 years
- Lock-in
- None
Key features
- Term loan plus overdraft
- Overdraft up to 50% (under RM500k) or 70% of the loan
- No lock-in
Example monthly instalment
At 3.95% on a RM 450,000 loan over 30 years:
RM 2,135 /month
Try your own numbersSimilar packages from other banks
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| AmBankHomeLinkConventionalFull flexi | 4.00%SBR + spread (PDS illustration) | — | 95% |
| CIMBCIMB HomeFlexi SmartConventionalFull flexi | 4.30%SBR + 1.55% (CIMB illustration) | — | 95% |
| UOB MalaysiaFlexi MortgageConventionalFull flexi | 4.36%SBR + 1.61% (PDS illustration) | — | 95% |
| HSBC MalaysiaHSBC HomeSmartConventionalFull flexi | 4.50%SBR + 1.75% (indicative, no lock-in) | — | — |
| Alliance BankAlliance FlexLink Home LoanConventionalFull flexi | 5.00%SBR + 2.25% (PDS illustration) | — | — |
AmBank
HomeLink4.00%
ConventionalFull flexi· Lock-in — · Margin 95%
4.30%
ConventionalFull flexi· Lock-in — · Margin 95%
UOB Malaysia
Flexi Mortgage4.36%
ConventionalFull flexi· Lock-in — · Margin 95%
HSBC Malaysia
HSBC HomeSmart4.50%
ConventionalFull flexi· Lock-in — · Margin —
Alliance Bank
Alliance FlexLink Home Loan5.00%
ConventionalFull flexi· Lock-in — · Margin —
Rates are the figures each bank publishes; “On request” means it doesn’t publish one. Estimate only — the bank decides the final rate and approval.
Rates shown are the examples or “as low as” figures each bank publishes on its product page or Product Disclosure Sheet; “On request” means the bank doesn’t publish one. Your actual rate depends on your profile, loan size and lock-in, and is set when you’re approved.Checked 21 October 2026. EstateBuds doesn’t give financial advice; confirm terms with the bank before applying.