OPR Impact Calculator Malaysia
See how an OPR or interest-rate rise (or cut) changes your home-loan instalment, with a rate-shock scenario table.
Positive for a hike, negative for a cut.
To show the increase as a % of income.
Rate sensitivity
Moderate sensitivity — worth keeping a buffer.
Monthly change at 4.5%
+RM 83.99
- Current instalment
- RM 1,583.51
- New instalment (4.5%)
- RM 1,667.50
- Monthly change
- +RM 83.99
- Annual change
- +RM 1,007.84
- Total interest change
- +RM 25,196.07
Rate-change scenarios
| Change | New rate | Instalment | Δ/month |
|---|---|---|---|
| -0.25% | 3.75% | RM 1,542.39 | −RM 41.12 |
| +0.25% | 4.25% | RM 1,625.21 | +RM 41.70 |
| +0.5% | 4.5% | RM 1,667.50 | +RM 83.99 |
| +0.75% | 4.75% | RM 1,710.35 | +RM 126.84 |
Assumptions
- Reducing balance (amortising) formula used, keeping the same remaining tenure.
- The rate change is applied to the full outstanding balance for the remaining tenure.
- Banks set the actual rate (often OPR plus a spread); this is an estimate, not advice.
This calculator provides estimates only. KiraSmart is not financial advice. Please verify with official sources or professionals before making decisions. Read full disclaimer
Information last reviewed: 2026-07-25 · Result type: user-input estimate
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How does the OPR affect your loan?
The Overnight Policy Rate (OPR) is set by Bank Negara Malaysia. Most home loans use a floating rate (OPR plus the bank's spread), so when the OPR moves, your monthly instalment moves with it. This calculator shows the impact on your instalment and total interest over your remaining tenure.
Longer remaining tenures are more sensitive to rate changes. The figures here are estimates — your bank sets the actual rate, and this is not financial advice.