Xiaomi OPPO Vivo Installment Malaysia 2026 — From RM43/Month, 7 Best Picks

Not everyone wants an iPhone or Samsung. Xiaomi, OPPO and Vivo offer comparable specs at much lower prices. Here are 7 most worthwhile installment picks for 2026.

Ultra Budget (Under RM75/month)

Vivo Y29T 5G — From RM43/month

• Cheapest 5G in the list
• 36mo: RM43 | 24mo: RM57 | 12mo: RM102

Redmi Note 15 5G — From RM51/month

• 6.67" FHD+ AMOLED 120Hz, Dimensity 6300
• 108MP camera, 6,000 mAh battery
• 36mo: RM51 | 24mo: RM69 | 12mo: RM122

OPPO A6 5G — From RM53/month

• Premium design in budget class
• 36mo: RM53 | 24mo: RM71 | 12mo: RM126

OPPO Reno 13 5G — From RM56/month

• 6.59" AMOLED 120Hz, Dimensity 8350
• 50MP camera, 5,600 mAh + 80W charging
• 36mo: RM56 | 24mo: RM76

Mid-tier (RM75-100/month)

Vivo V40 Pro 5G — From RM73/month

• Zeiss optics for best-in-class portraits
• 36mo: RM73 | 24mo: RM99

Redmi Note 15 Pro+ 5G — From RM77/month

• 200MP camera, 1.5K AMOLED display
• Dimensity 7400 Ultra, 6,200 mAh + 90W charging
• 36mo: RM77 | 24mo: RM103

Flagship (RM150+/month)

Xiaomi 15 5G — From RM153/month

• Snapdragon 8 Elite, Leica triple 50MP
• 5,400 mAh + 90W charging
• 36mo: RM153 | 24mo: RM206

Which Is Right for You?

• Battery for Grab/Foodpanda → Redmi Note 15 5G (6,000 mAh)
• Camera lover → Vivo V40 Pro (Zeiss) or Redmi Note 15 Pro+ (200MP)
• Student / tight budget → Vivo Y29T (RM43/month)
• Design conscious → OPPO Reno 13 5G
• Heavy user / gaming → Xiaomi 15 5G

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