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Development & Statutory (DFI)·Rates Last Updated: October 2026·Official LPPSA (Civil Servants) Site

LPPSA (Public Sector Housing Board) Home Loan Calculator & DSR Limit (2026)

Pre-filled with LPPSA (Public Sector Housing Board)'s October 2026 indicative rate (~4.00% p.a. for Skim Pembiayaan Perumahan Sektor Awam). Test your monthly mortgage installment, check if your income passes LPPSA (Civil Servants)'s 60%–80% DSR cap, and compare against 22 other Malaysian banks below.

Indicative Rate
~4.00% p.a.
DSR Cap Range
60% – 80%
Variable Income
100% Recognized
Min NDI Floor
RM 1,000/mo
Best Suited For: Confirmed Malaysian federal/state civil servants, teachers, police, and public healthcare officers qualifying for up to 100% financing at a fixed 4.00% rate.
Buying as:

1. Home Loan Installment Calculator

SPA property price, margin of finance, interest rate, tenure & developer rebate

Loan: RM 270,000
10% Downpayment (RM 30,000)
RM
Quick select price:
%
%
yrs

Offsets downpayment; excess rebate becomes cashback

% off
-RM 0

2. Check Your DSR – Monthly Income

Gross salary, automatic EPF/SOCSO/PCB net pay, variable commissions & rental

Net Take-Home: RM 4,307/mo
RM
Bank:
+RM 5,000/mo
EPF (11%): -RM 550·SOCSO/EIS: -RM 35·PCB Tax: -RM 108

3. Existing Monthly Commitments (CCRIS)

Existing housing loans, hire purchase car loans, PTPTN, personal loans & credit cards

Total Existing Debt: RM 0/mo
Existing Housing Loans (Mortgages)0 loans · Standard 90% margin
Mortgages: RM 0/mo
No existing housing loans. Qualifies for standard 90% loan margin.
Other Commitments (Car, Credit Card, PTPTN, Personal Loans)
Other Debts: RM 0/mo
No other commitments added. (Zero car loan, credit card, or personal loan).RM 0/mo
Total Monthly Commitments Counted by BankRM 0/mo
Estimated Loan Eligibility
High Approval Chance
New DSR (Net Pay)
27.7%
Monthly Installment
RM 1,195/mo

Great news! Your total monthly commitments take up 27.7% of your net income, well within the 70% limit used by most Malaysian banks.

Monthly Net Pay UsageRM 1,195 / RM 4,307
Existing: 0%New Home: +28%70% Bank Limit
Take-Home Net Pay
RM 4,307/mo
After EPF, SOCSO & Tax
Cash Left After Loans
RM 3,112/mo
Min buffer RM 1,450
Estimated Upfront CashRM 37,775
Net Downpayment: RM 30,000Legal & Stamp: RM 7,775
Max Property (at 70% DSR)
RM 756,592
Rates last updated: October 2026Source: Bank Negara Malaysia Standardized Base Rate (SBR = 3.00% / OPR 3.00%) & Official Bank Product Disclosure Sheets (PDS)
How rates & DSR caps are verified →
Maybank / Maybank Islamic(MBB)~3.85% p.a.
MaxiHome / MaxiHome-i·Local Commercial & Islamic

Strong margin below 65% DSR cap with RM 3,136/mo net disposable buffer.

Approved
DSR / Cap
27.2% / 65%
Installment
RM 1,171
Max Property
RM 717,082
Maybank DSR Guide →
CIMB Bank / CIMB Islamic(CIMB)~3.90% p.a.
HomeFlexi / HomeFlexi-i·Local Commercial & Islamic

Strong margin below 70% DSR cap with RM 3,128/mo net disposable buffer.

Approved
DSR / Cap
27.4% / 70%
Installment
RM 1,179
Max Property
RM 766,984
CIMB Bank DSR Guide →
Public Bank / Public Islamic(PBB)~3.80% p.a.
5 HOME Plan / ABBA Home-i·Local Commercial & Islamic

Strong margin below 65% DSR cap with RM 3,144/mo net disposable buffer.

Approved
DSR / Cap
27.0% / 65%
Installment
RM 1,163
Max Property
RM 722,014
Public Bank DSR Guide →
RHB Bank / RHB Islamic(RHB)~3.92% p.a.
My1 Full Flexi / Equity Home-i·Local Commercial & Islamic

Strong margin below 75% DSR cap with RM 3,124/mo net disposable buffer.

Approved
DSR / Cap
27.5% / 75%
Installment
RM 1,183
Max Property
RM 819,531
RHB Bank DSR Guide →
Hong Leong Bank / HLISB(HLB)~3.88% p.a.
MortgagePlus / CM Flexi-i·Local Commercial & Islamic

Strong margin below 70% DSR cap with RM 3,131/mo net disposable buffer.

Approved
DSR / Cap
27.3% / 70%
Installment
RM 1,176
Max Property
RM 769,081
Hong Leong Bank DSR Guide →
AmBank / AmBank Islamic(AMB)~3.95% p.a.
HomeLink / HomeLink-i·Local Commercial & Islamic

Strong margin below 70% DSR cap with RM 3,120/mo net disposable buffer.

Approved
DSR / Cap
27.6% / 70%
Installment
RM 1,187
Max Property
RM 761,780
AmBank DSR Guide →
Bank Islam Malaysia(BIMB)~3.85% p.a.
Baiti Home Financing-i·Full Islamic Bank

Strong margin below 70% DSR cap with RM 3,136/mo net disposable buffer.

Approved
DSR / Cap
27.2% / 70%
Installment
RM 1,171
Max Property
RM 772,242
Bank Islam DSR Guide →
Alliance Bank / Alliance Islamic(ABMB)~3.92% p.a.
SaveLink / SaveLink-i·Local Commercial & Islamic

Strong margin below 70% DSR cap with RM 3,124/mo net disposable buffer.

Approved
DSR / Cap
27.5% / 70%
Installment
RM 1,183
Max Property
RM 764,897
Alliance Bank DSR Guide →
Affin Bank / Affin Islamic(AFFIN)~3.95% p.a.
Affin Home Assist / Home Step Fast-i·Local Commercial & Islamic

Strong margin below 75% DSR cap with RM 3,120/mo net disposable buffer.

Approved
DSR / Cap
27.6% / 75%
Installment
RM 1,187
Max Property
RM 816,193
Affin Bank DSR Guide →
Bank Rakyat(BKRM)~3.88% p.a.
Pembiayaan Perumahan-i Manzili·Development & Statutory (DFI)

Strong margin below 70% DSR cap with RM 3,131/mo net disposable buffer.

Approved
DSR / Cap
27.3% / 70%
Installment
RM 1,176
Max Property
RM 769,081
Bank Rakyat DSR Guide →
Bank Muamalat Malaysia(BMMB)~3.92% p.a.
Smart Mortgage Solution-i·Full Islamic Bank

Strong margin below 70% DSR cap with RM 3,124/mo net disposable buffer.

Approved
DSR / Cap
27.5% / 70%
Installment
RM 1,183
Max Property
RM 764,897
Bank Muamalat DSR Guide →
BSN (Bank Simpanan Nasional)(BSN)~3.85% p.a.
BSN MyHome / Youth Housing Scheme·Development & Statutory (DFI)

Strong margin below 70% DSR cap with RM 3,136/mo net disposable buffer.

Approved
DSR / Cap
27.2% / 70%
Installment
RM 1,171
Max Property
RM 772,242
BSN DSR Guide →
MBSB Bank(MBSB)~3.98% p.a.
Stylo Home Financing-i / Ultimate Home-i·Full Islamic Bank

Strong margin below 75% DSR cap with RM 3,115/mo net disposable buffer.

Approved
DSR / Cap
27.7% / 75%
Installment
RM 1,192
Max Property
RM 812,874
MBSB Bank DSR Guide →
OCBC Bank / OCBC Al-Amin(OCBC)~3.85% p.a.
OCBC Home Loan / Manarat Home-i·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 3,136/mo net disposable buffer.

Approved
DSR / Cap
27.2% / 70%
Installment
RM 1,171
Max Property
RM 772,242
OCBC Bank DSR Guide →
UOB Malaysia(UOB)~3.86% p.a.
UOB Intelligent Home Loan / Flexi Mortgage·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 3,134/mo net disposable buffer.

Approved
DSR / Cap
27.2% / 70%
Installment
RM 1,173
Max Property
RM 771,187
UOB Malaysia DSR Guide →
HSBC Bank / HSBC Amanah Malaysia(HSBC)~3.88% p.a.
HSBC HomeSmart / HomeSmart-i·Foreign Bank Malaysia

Strong margin below 60% DSR cap with RM 3,131/mo net disposable buffer.

Approved
DSR / Cap
27.3% / 60%
Installment
RM 1,176
Max Property
RM 659,212
HSBC Malaysia DSR Guide →
Standard Chartered / Saadiq Malaysia(SCB)~3.88% p.a.
MortgageOne / Saadiq MyHome-i·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 3,131/mo net disposable buffer.

Approved
DSR / Cap
27.3% / 70%
Installment
RM 1,176
Max Property
RM 769,081
Standard Chartered DSR Guide →
Agrobank Malaysia(AGRO)~3.90% p.a.
Agrobank Hartani-i / Perumahan-i·Development & Statutory (DFI)

Strong margin below 70% DSR cap with RM 3,128/mo net disposable buffer.

Approved
DSR / Cap
27.4% / 70%
Installment
RM 1,179
Max Property
RM 766,984
Agrobank DSR Guide →
Al Rajhi Bank Malaysia(ARBM)~3.95% p.a.
Al Rajhi Home Financing-i·Full Islamic Bank

Strong margin below 70% DSR cap with RM 3,120/mo net disposable buffer.

Approved
DSR / Cap
27.6% / 70%
Installment
RM 1,187
Max Property
RM 761,780
Al Rajhi Bank DSR Guide →
Kuwait Finance House Malaysia (KFH)(KFH)~3.95% p.a.
KFH Murabahah Home Financing-i·Full Islamic Bank

Strong margin below 70% DSR cap with RM 3,120/mo net disposable buffer.

Approved
DSR / Cap
27.6% / 70%
Installment
RM 1,187
Max Property
RM 761,780
Kuwait Finance House DSR Guide →
Bank of China (Malaysia)(BOCM)~3.82% p.a.
BOC Flexi Housing Loan·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 3,140/mo net disposable buffer.

Approved
DSR / Cap
27.1% / 70%
Installment
RM 1,167
Max Property
RM 775,423
Bank of China Malaysia DSR Guide →
ICBC Malaysia(ICBC)~3.85% p.a.
ICBC Residential Housing Loan·Foreign Bank Malaysia

Strong margin below 70% DSR cap with RM 3,136/mo net disposable buffer.

Approved
DSR / Cap
27.2% / 70%
Installment
RM 1,171
Max Property
RM 772,242
ICBC Malaysia DSR Guide →
LPPSA (Public Sector Housing Board)(LPPSA)~4.00% p.a.
Skim Pembiayaan Perumahan Sektor Awam·Development & Statutory (DFI)

Strong margin below 75% DSR cap with RM 3,112/mo net disposable buffer.

Approved
DSR / Cap
27.7% / 75%
Installment
RM 1,195
Max Property
RM 810,673
LPPSA (Civil Servants) DSR Guide →

LPPSA (Public Sector Housing Board) Underwriting Rules, DSR Tiers & Package Details

How LPPSA (Civil Servants) Calculates Your DSR & Net Disposable Income

Lembaga Pembiayaan Perumahan Sektor Awam (LPPSA) operates under public sector financing rules rather than commercial bank SBR spreads. The monthly LPPSA installment cannot exceed 60% of basic salary plus fixed public service allowances (Imbuhan Tetap Perumahan, ITKA, COLA), and total payslip deductions cannot exceed 80% of gross emoluments.

Variable Income, Commission & ASB Dividend Policy

Recognizes 100% of basic salary and permanent civil service fixed allowances printed on the ANM e-Penyata Gaji payslip.

Skim Pembiayaan Perumahan Sektor Awam Key Specifications (October 2026)

Reference Rate FormulaStatutory Fixed Rate = 4.00% p.a. (Invariant to BNM OPR changes)
Package StructureSkim Pembiayaan Perumahan Sektor Awam (SPPSA / SPPSAi)
Lock-In PeriodNone (Government statutory housing financing scheme)
Minimum Financing AmountNo minimum (Up to 100% margin based on entitlement)
ASB Dividend Offset AllowedYes (Held > 12 Months)

LPPSA (Civil Servants) Maximum DSR Limit by Recognized Net Monthly Income

Net Monthly Income Tier (After EPF/SOCSO/PCB)Max Allowable DSR CapMinimum NDI Requirement
RM 0 – RM 3,500/mo60%RM 1,000/mo
RM 3,500 – RM 5,000/mo75%RM 1,000/mo
RM 5,000 – RM 8,000/mo80%RM 1,000/mo
Above RM 8,000/mo80%RM 1,000/mo

Compare LPPSA (Civil Servants) With Other Malaysian Banks

Maybank CalculatorCIMB Bank CalculatorPublic Bank CalculatorRHB Bank CalculatorHong Leong Bank CalculatorAmBank CalculatorBank Islam CalculatorAlliance Bank CalculatorAffin Bank CalculatorBank Rakyat CalculatorBank Muamalat CalculatorBSN CalculatorMBSB Bank CalculatorOCBC Bank CalculatorUOB Malaysia CalculatorHSBC Malaysia CalculatorStandard Chartered CalculatorAgrobank CalculatorAl Rajhi Bank CalculatorKuwait Finance House CalculatorBank of China Malaysia CalculatorICBC Malaysia Calculator