HSBC Malaysia
HomeSmart-i (HSBC Amanah)
HSBC Malaysia HomeSmart-i (HSBC Amanah) is an Islamic full flexi home financing-i, from 4.50% (SBR + 1.75% indicative, no lock-in), 35-year tenure.
- Type
- Islamic financing
- Shariah contract
- Musharakah Mutanaqisah + Ijarah
- Flexibility
- Full flexi
- Rate
- 4.50%
- Rate basis
- SBR + 1.75% (indicative, no lock-in)
- Max margin
- Not stated
- Max tenure
- 35 years
- Lock-in
- Not stated
Key features
- Prepay and redraw any time, no redraw charge
- Completed or under-construction property
Example monthly instalment
At 4.50% on a RM 450,000 loan over 30 years:
RM 2,280 /month
Try your own numbersSimilar packages from other banks
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| Alliance BankAlliance FlexLink Home Financing-iIslamicFull flexi | 4.11%SBR + 1.36% (bank example) | — | 90% |
| Affin BankAFFIN Flexi Save-iIslamicFull flexi | 4.75%SBR + 2.00% (PDS illustration); ceiling 10% | None | 90% |
Alliance Bank
Alliance FlexLink Home Financing-i4.11%
IslamicFull flexi· Lock-in — · Margin 90%
Affin Bank
AFFIN Flexi Save-i4.75%
IslamicFull flexi· Lock-in None · Margin 90%
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.