Monthly Instalment for a RM300k Condo in Malaysia 2026

The Quick Answer

RM300,000 condo, 10% down, 90% loan (RM270,000), 4.5% interest, 35 years: approximately RM1,280 per month.

Payment Table: RM270,000 Loan

At 4.0%: 30-year gives RM1,289/month. 35-year gives RM1,185/month.

At 4.5%: 30-year gives RM1,368/month. 35-year gives RM1,278/month.

At 5.0%: 30-year gives RM1,450/month. 35-year gives RM1,375/month.

Full Monthly Cost

Mortgage: approximately RM1,278. Maintenance (RM0.35/sqft, 600 sqft unit): roughly RM210. Sinking fund: approximately RM21. Total: approximately RM1,509/month.

Comfortable on a gross income of RM4,500-5,000. This is genuinely achievable for many young Malaysian professionals.

First-Timer Savings

At RM300k, you qualify for 100% stamp duty exemption. Savings: approximately RM7,250 (MOT: RM5,000 + loan stamp: RM1,350 + legal fee reductions). That’s real money at this income level.

Projects at This Price

Colonial Infinite starts from RM253k — the primary option at this price point in the Klang Valley. Office suites in USJ 1 Subang Jaya, 60m from SEGi College.