Explore best home loan rates in Singapore

We focus on what actually matters in a home loan so you can decide with clarity

Updated May 25, 2026

Fixed Rates Lock in a fixed rate for 2–5 years

	Year 1	Year 2	Year 3	Year 4	Year 5	Thereafter
Package 1	1.35% Fixed	+0.35% 3M SORA	+0.40% 3M SORA	+0.90% 3M SORA	+0.90% 3M SORA	+0.90% 3M SORA
Package 2	1.40% Fixed	1.40% Fixed	+0.40% 3M SORA	+0.90% 3M SORA	+0.90% 3M SORA	+0.90% 3M SORA
Package 3	1.50% Fixed	1.50% Fixed	1.50% Fixed	+1.00% 3M SORA	+1.00% 3M SORA	+1.00% 3M SORA
Package 4	1.98% Fixed	1.98% Fixed	1.98% Fixed	1.98% Fixed	1.98% Fixed	+0.68% 3M SORA

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* Minimum loan size applies. Rates are indicative and subject to change.

Floating Rates SORA / FHR6-linked – adjusts with market rates

	Year 1	Year 2	Year 3	Year 4	Thereafter
Package 1	+0.20% FHR6	+0.20% FHR6	+0.75% FHR6	+1.00% FHR6	+1.00% FHR6
Package 2	+0.25% 3M SORA	+0.25% 3M SORA	+0.45% 3M SORA	+0.60% 3M SORA	+0.75% 3M SORA
Package 3	+0.20% 1M/3M SORA	+0.20% 1M/3M SORA	+0.75% 1M/3M SORA	+1.00% 1M/3M SORA	+1.00% 1M/3M SORA
Package 4	+0.20% 1M/3M SORA	+0.20% 1M/3M SORA	+0.40% 1M/3M SORA	+0.75% 1M/3M SORA	+0.75% 1M/3M SORA

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* Minimum loan size applies. Rates are indicative and subject to change.

BUC Rates For properties under construction (BUC/BTO)

	Year 1	Year 2	Year 3	Year 4	Thereafter
Package 1	+0.20% 3M SORA	+0.20% 3M SORA	+0.20% 3M SORA	+0.20% 3M SORA	+0.60% 3M SORA
Package 2	+0.60% FHR6	+0.60% FHR6	+0.60% FHR6	+0.60% FHR6	+0.60% FHR6
Package 3	+0.25% 1M SORA	+0.25% 1M SORA	+0.25% 1M SORA	+0.25% 1M SORA	+0.60% 1M SORA
Package 4	+0.25% 3M SORA	+0.25% 3M SORA	+0.25% 3M SORA	+0.25% 3M SORA	+0.60% 3M SORA

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* Minimum loan size applies. Rates are indicative and subject to change.