Free RM25Calculate monthly hire purchase instalment for BYD Atto 3, Dolphin, Seal, Seal 6 & Sealion 7. All BYD EVs qualify for green rate from 1.75% p.a.
All BYD models qualify for the EV green hire purchase rate of 1.75% p.a. — among the lowest hire purchase rates in Malaysia. Standard ICE cars are typically financed at 2.30–2.55% p.a. The green rate saves you thousands in total interest over a 9-year tenure.
Monthly Instalment
RM 964.58
per month for 9 years
Loan Amount
RM 90,000
Down Payment
RM 10,000 (10%)
Total Interest
RM 14,175
Total Payment
RM 104,175
Approx. EIR
~3.24% p.a.
Based on hire purchase flat rate formula. Actual rate subject to bank approval and credit profile. EIR ≈ flat rate × 1.85.
All calculations: 10% down payment, 9-year tenure, 1.75% EV green rate. ⚡ = All-Electric.
| Model | OTR Price | Down (10%) | Rate | Monthly |
|---|---|---|---|---|
| ⚡ Seal 6 Dynamic | RM 100,000 | RM 10,000 | 1.75% | RM 965/mo |
| ⚡ Seal 6 Premium | RM 115,800 | RM 11,580 | 1.75% | RM 1,117/mo |
| ⚡ Dolphin Dynamic | RM 100,530 | RM 10,053 | 1.75% | RM 970/mo |
| ⚡ Dolphin Premium | RM 125,530 | RM 12,553 | 1.75% | RM 1,211/mo |
| ⚡ Atto 3 Ultra | RM 123,800 | RM 12,380 | 1.75% | RM 1,194/mo |
| ⚡ Seal Premium | RM 171,800 | RM 17,180 | 1.75% | RM 1,657/mo |
| ⚡ Seal Performance | RM 191,800 | RM 19,180 | 1.75% | RM 1,850/mo |
| ⚡ Sealion 7 Premium | RM 183,800 | RM 18,380 | 1.75% | RM 1,773/mo |
| ⚡ Sealion 7 Performance | RM 199,800 | RM 19,980 | 1.75% | RM 1,927/mo |
OTR prices verified: BYD Sime Motors Malaysia, paultan.org, soyacincau.com, zigwheels.my (May 2026). Prices without insurance.
| Bank | EV / Green Rate | ICE (Non-EV) | Max Tenure |
|---|---|---|---|
| Maybank | from 1.75% | from 2.30% | 9 years |
| CIMB | from 1.75% | from 2.55% | 9 years |
| Hong Leong Bank | from 1.75% | from 2.55% | 9 years |
| Public Bank | from 1.80% | from 2.50% | 9 years |
| RHB | from 1.88% | from 2.60% | 9 years |
| AmBank | from 1.80% | from 2.50% | 9 years |
EV green rates apply to all BYD models (fully electric BEV). Rates subject to Bank Negara OPR and individual credit profile.
Malaysian hire purchase uses a flat rate — interest is calculated on the full original loan throughout the tenure. The Effective Interest Rate (EIR) reflects the true borrowing cost. Rule of thumb: EIR ≈ flat rate × 1.85. For BYD at 1.75% flat: EIR ≈ 3.24% p.a. Standard ICE at 2.40% flat: EIR ≈ 4.44% p.a. Always compare EIR — the green rate saves you real money.
Best entry value: BYD Seal 6 Dynamic (RM100,000) — RM853/month at 1.75%, 9 years. Cheaper monthly than a Proton X70 despite being a newer, larger electric sedan. Best mid-range: BYD Dolphin Premium (RM125,530) — RM1,072/month. Full-featured city EV with 420 km range. Best premium: BYD Atto 3 Ultra (RM123,800) — RM1,057/month. SUV form factor with 420 km range and 8-year battery warranty. All BYD models benefit from the 1.75% green rate — saving RM4,000–RM9,000 in total interest vs comparable ICE cars financed at standard rates.
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Monthly DCA growth at 10% p.a. (S&P 500 hist avg)
| Monthly | 10 yrs | 20 yrs | 30 yrs |
|---|---|---|---|
| RM300/mo | RM61k | RM228k | RM678k |
| RM500/mo | RM102k | RM380k | RM1.13M |
| RM531/mo | RM109k | RM404k | RM1.2M |
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