FINANCING YOUR NEXT MOVE
Singapore mortgage rates.
A clearer comparison.
Explore selected banks’ published mortgage packages for HDB flats, private homes and commercial properties. Understand the conditions before requesting a personalised quotation.
Sources checked 12 November 2026 · Published-rate snapshot · Not a complete market comparison
THE SHORT ANSWER
Compare the whole package.
A headline interest rate is a starting point. Compare the eligible property, loan size, fixed-rate period, floating benchmark, bank spread, lock-in, fees and later-year pricing. Your bank’s written quotation and letter of offer determine the terms available to you.
Financing your home.
Bank packages for an HDB purchase or refinancing.
Explore HDB packages ↓02 · PRIVATE RESIDENTIALCompleted or upcoming.
Separate completed homes from properties under construction.
Explore private-home packages ↓03 · COMMERCIALSpace for your plans.
Check borrower, property use and quotation requirements.
Explore commercial options ↓01 · HDB BANK LOANS
This page is general information for your reference only. It is not financial, legal or tax advice, a loan offer or a recommendation. Rates and terms come from banks’ public pages on the date shown, can change without notice, and may not apply to you. Only the bank’s written letter of offer is binding. Propsbit and Jim Tan do not approve loans or guarantee rates, savings or approval, and do not accept liability for loss from relying on this page. Please verify everything with the bank. To report an error, email jimtan@propsbit.com.
HDB mortgage packages.
These are bank-loan references, not an HDB concessionary loan quotation. A CPF-OA-linked package belongs to a different category from fixed-rate and SORA-linked loans.
On mobile, swipe the table sideways to see conditions and sources. Confirm all applicable fees directly with the bank.
| Bank / package | Rate structure | Published pricing / later years | Lock-in / commitment | Conditions to check | Source / checked |
|---|---|---|---|---|---|
| DBS · 3-Year CPF-OA HDB Loan | CPF-OA-linked | Published snapshot: years 1–3 1.78% p.a.; years 4–5 2.20%; thereafter 2.40%. Offsets: CPF-OA minus 0.72, 0.30 and 0.10 percentage points respectively. | 3-year commitment | Benchmark-linked, not labelled fixed or SORA. Confirm eligibility and fees. | Official bank page ↗12 Nov 2026 |
| OCBC · HDB/private home purchase | Fixed, 1M or 3M compounded SORA | Published promotional 1M compounded SORA package: 1M compounded SORA + 0.98% p.a. in years 1–2; + 1.40% thereafter. No fixed-rate figure is published. | Confirm with bank | The page covers HDB flats and private homes, minimum loan S$100,000, but does not say whether the promotional rates apply to both. Confirm package, eligibility and fees. | Official bank page ↗12 Nov 2026 |
| POSB · 3-Year CPF-OA HDB Loan | CPF-OA-linked | Years 1–3: 1.78% p.a.; years 4–5: 2.20%; thereafter: 2.40%, at published CPF-OA reference. Offsets: −0.72, −0.30 and −0.10 percentage points. | 3-year commitment | DBS/POSB family. Same published CPF-OA schedule as the DBS entry, not an additional independent-bank offer. | Official bank page ↗12 Nov 2026 |
| Standard Chartered · HDB SORA reference | 3M compounded SORA | Published promotional package: 3M compounded SORA + 1.00% p.a. in years 1, 2, 3 and thereafter. | 2 years | The source says SORA packages cover private residential and HDB flats (completed or under construction), minimum loan S$100,000. Confirm eligibility, repricing and fees with the bank. | Official bank page ↗12 Nov 2026 |
| CIMB · HDB Home Loan reference | Confirm available structure | Quotation required. No current numerical rate verified. | Confirm with bank | HDB loan appears in official terms index. Current availability, eligibility and pricing need confirmation. | Official bank page ↗12 Nov 2026 |
| RHB Singapore · HDB reference | Fixed or floating (SORA-pegged or board rate) | Quotation required. No numerical rate is published on the source page. | Confirm with bank | The page covers HDB loans (stated tenure 5 to 25 years or up to age 65, whichever is earlier). Confirm financing amount, lock-in, minimum loan and fees. | Official bank page ↗12 Nov 2026 |
The DBS package below the CPF-OA rate is benchmark-linked. The displayed percentages reflect the bank’s published snapshot and must not be interpreted as guaranteed fixed rates throughout the loan.
Maybank’s rate page could not be loaded when checked, so no Maybank rate is shown. Request a quotation for HDB or private-home financing.
02 · PRIVATE RESIDENTIAL
Private-home mortgage packages.
Separate completed-property financing from construction-stage financing. These are public website references, not negotiated quotations or evidence that a particular borrower qualifies.
On mobile, swipe the table sideways to see conditions and sources. Confirm all applicable fees directly with the bank.
| Bank / package | Rate structure | Published pricing / later years | Lock-in / commitment | Conditions to check | Source / checked |
|---|---|---|---|---|---|
| DBS · Home loans | Package quotation | Quotation required for the applicable private-property package and subsequent pricing. | Confirm with bank | Request the relevant property and purchase/refinancing terms. | Official bank page ↗12 Nov 2026 |
| OCBC · Home purchase | Fixed, 1M or 3M compounded SORA | Same published promotional 1M compounded SORA package as the OCBC HDB row (+ 0.98% p.a. in years 1–2; + 1.40% thereafter); the page does not say whether it applies to private homes. Quotation required. | Confirm with bank | The 3M compounded SORA fixed-instalment package is for completed properties only. Minimum loan S$100,000. Confirm property stage and fees. | Official bank page ↗12 Nov 2026 |
| UOB · Private Home Loan | Bank quotation | Quotation required. | Confirm with bank | Confirm package structure and conditions. | Official bank page ↗12 Nov 2026 |
| Maybank · Home loans | Fixed and SORA packages | Quotation required. Maybank’s published rate page was unavailable when checked, so no rate is shown here. | Confirm with bank | Confirm property type, loan size, tenure, lock-in and fees directly with Maybank. | Official bank page ↗Unavailable 12 Nov 2026 |
| HSBC Singapore · Home loans / Premier | Fixed, 1M/3M SORA or combination options | Advertised as low as 1.60% p.a. (HSBC Premier offer, subject to terms); package-specific quotation required. The headline alone does not establish a fixed-rate schedule. | Confirm with bank | Headline conditions: loan at least S$900,000 and HSBC Premier relationship balance at least S$200,000. Confirm full pricing. | Official bank page ↗12 Nov 2026 |
| Standard Chartered · Residential SORA | 3M compounded SORA | Published promotional package: 3M compounded SORA + 1.00% p.a. in years 1, 2, 3 and thereafter. | 2 years | Private residential and HDB flats, new purchase or refinancing; minimum loan S$100,000. Confirm property stage, repricing and fees. | Official bank page ↗12 Nov 2026 |
| CIMB · Private Property Loan reference | Confirm available structure | Quotation required. No current numerical rate verified. | Confirm with bank | Private-property loan appears in official terms index. Confirm current eligibility and availability. | Official bank page ↗12 Nov 2026 |
| Citibank · Citigold completed property, ≥S$1m | 2-year fixed, then 1M compounded SORA | Years 1–2: 2.10% p.a.; year 3 onwards: 1M SORA +0.85%. | 2 years | Printed 30 Sep 2026. Citigold AUM ≥S$250,000; minimum loan S$1m. Limited tranche; reconfirm availability. | Official bank document ↗12 Nov 2026 |
| Citibank · Citigold completed property, ≥S$1m | 1M compounded SORA | Years 1–2: +0.45%; year 3: +0.60%; year 4 onwards: +0.85%. | 2 years | Same Citigold and S$1m loan conditions. Published minimum effective interest rate 0.85%; confirm application. | Official bank document ↗12 Nov 2026 |
| Bank of China Singapore · Private residential | Fixed or 3M compounded SORA | Quotation required. No numerical schedule published on the referenced product page. | Confirm with bank | Source covers landed/non-landed private homes for own-use/investment and purchase/refinancing. | Official bank page ↗12 Nov 2026 |
| RHB Singapore · Private-home reference | Fixed or floating (SORA-pegged or board rate) | Quotation required. No numerical rate is published on the source page. | Confirm with bank | The page covers private residential loans (stated tenure 5 to 35 years or up to age 75, whichever is earlier). Confirm financing amount, lock-in, minimum loan and fees. | Official bank page ↗12 Nov 2026 |
Maybank’s rate page could not be loaded when checked on 12 November 2026, so no Maybank rate is shown. We have not substituted broker quotations for public rates. Banks may change rates without notice; the bank’s current written offer prevails.
03 · COMMERCIAL PROPERTY
Commercial mortgage options.
Company borrowing and personal borrowing can have different terms. Confirm own-use versus investment, the property’s permitted use, borrower structure, remaining lease and applicable fees directly with the lender.
On mobile, swipe the table sideways to see conditions and sources. Confirm all applicable fees directly with the bank.
| Bank / package | Rate structure | Published pricing / later years | Lock-in / commitment | Conditions to check | Source / checked |
|---|---|---|---|---|---|
| UOB · Business Commercial & Industrial Property Loan | Fixed or SORA-pegged | Quotation required. No numerical rate verified on the source page. | Confirm with bank | Business-banking product. Confirm own-use/investment, borrower structure, fees and loan terms. | Official bank page ↗12 Nov 2026 |
| Standard Chartered · Business Property Loan | Bank quotation | Quotation required. Pricing depends on loan size and credit assessment. | Confirm with bank | Business product. Source publishes redemption/cancellation charges; review full fees before comparing. | Official bank page ↗12 Nov 2026 |
| CIMB · Commercial Property Loan | Bank quotation | Quotation required. No numerical interest schedule verified. | Confirm with bank | Source states minimum loan S$200,000. Confirm individual/company eligibility, fees and structure. | Official bank page ↗12 Nov 2026 |
The UOB source is a business-banking product page covering commercial and industrial property. Its financing terms must not be assumed to apply to every individual or commercial investment purchase. No numerical commercial rate is represented here without a verified current source.
KNOW WHAT YOU ARE COMPARING
Fixed, SORA or another benchmark?
Certainty for a stated period.
The interest rate is fixed for the package’s stated period. Check the later-year rate and the lock-in separately. They are not necessarily the same length.
A benchmark plus a spread.
A typical structure is the specified compounded SORA plus a bank spread. The reference period, reset date, spread schedule and any floor matter. Floating rates can rise or fall.
Read the reference carefully.
CPF-OA-linked or bank-administered packages are separate structures. Do not compare their headline numbers as if every package used the same benchmark or conditions.
HOW TO READ A SORA QUOTE
Applicable compounded SORA + bank spread = contractual floating rate, subject to the package terms
No live all-in SORA percentage is calculated on this page. Check the bank’s applicable observation and reset rules, rather than adding an undated benchmark to the spread.
Further reading: MAS SORA benchmark · MoneySense SORA guide
BEFORE YOU CHOOSE
The questions behind the rate.
- Which property and borrower qualify? Confirm HDB or private eligibility, completed or under construction, own-use or investment, and individual or company borrowing.
- What happens after the introductory period? Ask for the full year-by-year schedule, benchmark, spread, reset rules and any interest-rate floor.
- What does switching cost? Request legal, valuation, processing, cancellation and early repayment charges, notice periods and any subsidy clawback.
- What flexibility is included? Check partial repayment, sale-of-property treatment and conversion conditions in the written offer.
- What is the overall cost? Compare repayments and total costs over the same period and loan amount. A lower headline rate does not automatically mean a cheaper loan.
YOUR QUESTIONS
Mortgage comparison FAQs.
Does this page show every bank’s mortgage rates?
No. This page compares selected official bank pages checked on 12 November 2026. Some lenders publish numerical rates, while other entries require a quotation. The page does not claim complete market coverage, bank endorsement or access to every lender.
Are these the rates I will receive?
Not necessarily. Published rates can have property, borrower, minimum-loan and other conditions. Rates and availability may change after the check date. Ask the bank for a written quotation and confirm the full terms in its letter of offer.
Is fixed always cheaper than SORA?
No. Fixed and floating packages have different pricing and risks. A floating rate can change with its benchmark, while a fixed rate applies for the specified period. Compare the later-year pricing, lock-in and fees without assuming future interest-rate movements.
Is the DBS CPF-OA package a fixed-rate loan?
The package shown here is linked to the CPF Ordinary Account rate. It should not be labelled as a conventional fixed-rate or SORA package. The table states the published benchmark offsets and snapshot percentages so readers can distinguish the structure.
Why do some entries say quotation required?
No numerical rate has been verified for that entry on the referenced source. That does not mean the bank has no package. Pricing may depend on your property and borrowing details, so obtain a current written quotation directly from the bank.
Will my WhatsApp enquiry be shared with a banker?
An initial enquiry does not authorise forwarding your contact details. Before any proposed introduction, Jim should identify the receiving banker or firm, explain the information to be shared and the purpose, disclose any applicable referral arrangement and obtain the necessary consent.
Does this page guarantee savings or loan approval?
No. Propsbit does not approve loans or guarantee a lower rate, savings or approval. Banks assess applications and issue their own terms. Consider the overall cost and relevant professional advice before committing.
A CONVERSATION, WITHOUT PRESSURE
Start with your property plans.
Ask Jim about the published information or how financing fits into your property timeline. Any banker introduction would be a separate step, with the receiving organisation and any referral arrangement explained beforehand.
Ask Jim on WhatsApp ↗No lower rate, savings or loan approval is guaranteed. Please do not send NRIC copies, bank statements or other financial documents in an initial enquiry. Making an enquiry is not permission to forward your details to another firm.
TRANSPARENT REFERENCES
Sources, scope and updates.
This comparison covers selected public references from DBS, POSB, OCBC, Maybank, UOB, HSBC Singapore, Standard Chartered, CIMB, Citibank, Bank of China and RHB Singapore. Inclusion is for information and does not imply endorsement, appointment or a referral partnership. This is not an all-bank comparison and does not include private banker pricing.
POSB is shown for ease of finding its published information alongside DBS; do not count their matching CPF-OA schedules as independent offers. Citibank figures are from its pricing PDF printed 30 September 2026, reviewed 12 November 2026, and require current availability confirmation. RHB is included as a reference only: its official home-loan page was reviewed and publishes no numerical rates. Entries apply only to the property categories supported by their sources; no offer or referral relationship is implied.
- DBS · HDB loan · checked 12 November 2026
- DBS · Home loans · checked 12 November 2026
- OCBC · HDB and private home purchase · checked 12 November 2026
- UOB · Private Home Loan · checked 12 November 2026
- Maybank · Home Loan Packages · page unavailable when checked 12 November 2026; no rate shown
- UOB · Business Commercial & Industrial Property Loan · checked 12 November 2026
- HSBC Singapore · Home loans · reviewed 12 November 2026
- Standard Chartered Singapore · SORA mortgages · reviewed 12 November 2026
- Standard Chartered Singapore · Business Property Loan · reviewed 12 November 2026
- CIMB Singapore · Property loan terms · reviewed 12 November 2026
- CIMB Singapore · Commercial Property Loan · reviewed 12 November 2026
- Citibank Singapore · Citigold mortgage pricing, printed 30 September 2026 · reviewed 12 November 2026
- Bank of China Singapore · Mortgage loans · reviewed 12 November 2026
- RHB Singapore · Singapore home loan (new purchase) · reviewed 12 November 2026
- POSB · HDB Loan · reviewed 12 November 2026
Checked 12 November 2026. A check date records when a page was reviewed, not when the bank last changed its pricing. This is a dated snapshot, not a live feed. Rates, fees, eligibility and package availability can change. Reconfirm with the bank before relying on any figure. Quotation required means no numerical rate has been verified for that entry, not that a package is unavailable.
Propsbit publishes general property and mortgage information. Jim Tan is a CEA-registered real estate salesperson, not the lender. Inclusion of a bank does not imply an appointment or referral partnership. Before any proposed paid introduction, the recipient, purpose of data sharing and applicable referral fee must be disclosed, and the necessary consent obtained. You remain free to approach banks directly.
This page does not provide a personalised loan recommendation, a binding quotation or a guarantee of accuracy or eligibility. Contact jimtan@propsbit.com to report a correction. Read our Privacy Policy and Website Terms & Property Disclaimer.