Full flexi home loans
A full flexi loan is linked to a current account. Money you keep in that account is offset against the outstanding loan, so you pay interest (or profit) only on the difference, and you can withdraw the money any time.
Banks usually charge a small monthly fee for the linked account, and some cap the offset (for example at 70% or 75% of the balance). Full flexi suits people who keep a healthy cash buffer and want it to work while staying available.
- Packages
- 18
- Banks
- 10
- Lowest published rate
- 3.95%
- Base rate (SBR)
- 2.75%
| Bank / package | Rate | Lock-in | Margin |
|---|---|---|---|
| Affin BankAFFIN Home Flexi PlusConventionalFull flexi | 3.95%SBR + 1.20% (PDS illustration) | None | 90% |
| AmBankHomeLinkConventionalFull flexi | 4.00%SBR + spread (PDS illustration) | — | 95% |
| Alliance BankAlliance FlexLink Home Financing-iIslamicFull flexi | 4.11%SBR + 1.36% (bank example) | — | 90% |
| Affin BankAFFIN Flexi SaveConventionalFull flexi | 4.28%SBR + 1.53% (PDS illustration) | None | 90% |
| 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) | — | — |
| HSBC MalaysiaHomeSmart-i (HSBC Amanah)IslamicFull flexi | 4.50%SBR + 1.75% (indicative, no lock-in) | — | — |
| Affin BankAFFIN Flexi Save-iIslamicFull flexi | 4.75%SBR + 2.00% (PDS illustration); ceiling 10% | None | 90% |
| Alliance BankAlliance FlexLink Home LoanConventionalFull flexi | 5.00%SBR + 2.25% (PDS illustration) | — | — |
| CIMBCIMB HomeFlexiConventionalFull flexi | On requestSBR + spread (floating) | — | 90% |
| CIMBCIMB HomeFlexi Smart-iIslamicFull flexi | On requestSBR-i + spread | — | 95% |
| Hong Leong BankMortgagePlus Home LoanConventionalFull flexi | On requestSBR + spread (floating), daily interest | — | 90% |
| MaybankMaxiHome Flexi LoanConventionalFull flexi | On requestSBR + spread (floating) | — | 90% |
| RHBCommodity Murabahah Home Financing-i Full FlexiIslamicFull flexi | On requestSBR-i + spread; ceiling profit rate 10.25% | — | — |
Affin Bank
AFFIN Home Flexi Plus3.95%
ConventionalFull flexi· Lock-in None · Margin 90%
AmBank
HomeLink4.00%
ConventionalFull flexi· Lock-in — · Margin 95%
Alliance Bank
Alliance FlexLink Home Financing-i4.11%
IslamicFull flexi· Lock-in — · Margin 90%
Affin Bank
AFFIN Flexi Save4.28%
ConventionalFull flexi· Lock-in None · Margin 90%
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 —
HSBC Malaysia
HomeSmart-i (HSBC Amanah)4.50%
IslamicFull flexi· Lock-in — · Margin —
Affin Bank
AFFIN Flexi Save-i4.75%
IslamicFull flexi· Lock-in None · Margin 90%
Alliance Bank
Alliance FlexLink Home Loan5.00%
ConventionalFull flexi· Lock-in — · Margin —
CIMB
CIMB HomeFlexiOn request
ConventionalFull flexi· Lock-in — · Margin 90%
On request
IslamicFull flexi· Lock-in — · Margin 95%
Hong Leong Bank
MortgagePlus Home LoanOn request
ConventionalFull flexi· Lock-in — · Margin 90%
Maybank
MaxiHome Flexi LoanOn request
ConventionalFull flexi· Lock-in — · Margin 90%
On request
IslamicFull 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 22 October 2026. EstateBuds doesn’t give financial advice; confirm terms with the bank before applying.
Questions people ask
Which banks offer full flexi home loans?
10 banks: Affin Bank, AmBank, Alliance Bank, CIMB, UOB Malaysia, HSBC Malaysia, Hong Leong Bank, Maybank, RHB, Standard Chartered Malaysia.
What is the lowest published rate for full flexi home loans?
3.95% for Affin Bank AFFIN Home Flexi Plus (SBR + 1.20% (PDS illustration)). 8 of 18 packages don’t publish a rate.
How does a full flexi home loan save interest?
Interest is usually calculated daily on the loan balance minus what sits in the linked current account. Keeping RM50,000 in the account on a RM400,000 loan means you are charged as if you owed RM350,000, up to any cap the bank sets.
Is full flexi worth the monthly fee?
Only if you keep enough cash in the linked account. If your balance is small, a semi flexi or term loan with no account fee may cost less overall.