SORA rate | Residential Loan - Home Loan Comparison | Online Property Loan in Singapore

	SIBOR	COMPOUNDED SORA
1-month	4.025	3.7698
3-month	4.05644	3.7479
6-month	NA	3.7308
12-month	NA	NA

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Bank of China 3 Years Fixed

2.6%2 Year Average

$2,139.152 Year Average

$20,026.83

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.60%
  
  $2139.152/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.60%
  
  $2139.152/mth
  
  Year 2 Fixed Rate
- Year 3
  
  2.60%
  
  $2139.152/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  4.56%
  
  $2485.856/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$500,000 - One time free conversion anytime - Waiver of Full Redemption Penalty, Due to Sale of Property For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Bank of China 2 Years Fixed

2.75%2 Year Average

$2,168.672 Year Average

$21,194.64

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.75%
  
  $2168.665/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.75%
  
  $2168.665/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.36%
  
  $2469.407/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  4.56%
  
  $2504.59/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$500,000 - One time free conversion anytime - Waiver of Full Redemption Penalty, Due to Sale of Property For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3 Years Fixed

2.85%2 Year Average

$2,188.472 Year Average

$21,973.87

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.85%
  
  $2188.475/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.85%
  
  $2188.475/mth
  
  Year 2 Fixed Rate
- Year 3
  
  2.85%
  
  $2188.475/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.56%
  
  $2493.621/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period - Waiver of Full Redemption Penalty due to Sale of Property During Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 2 Years Fixed

2.88%2 Year Average

$2,194.442 Year Average

$22,207.73

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.88%
  
  $2194.439/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.88%
  
  $2194.439/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.56%
  
  $2511.029/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.56%
  
  $2511.029/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period - Waiver of Full Redemption Penalty due to Sale of Property During Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3 Years Fixed

2.9%2 Year Average

$2,198.422 Year Average

$22,363.67

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.90%
  
  $2198.42/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.90%
  
  $2198.42/mth
  
  Year 2 Fixed Rate
- Year 3
  
  2.90%
  
  $2198.42/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.56%
  
  $2495.16/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period - Waiver of Full Redemption Penalty due to Sale of Property During Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 2 Years Fixed

2.9%2 Year Average

$2,198.422 Year Average

$22,363.67

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.90%
  
  $2198.42/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.90%
  
  $2198.42/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.56%
  
  $2511.44/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.56%
  
  $2511.44/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after 12 months - Waiver of Full Redemption Penalty due to Sale of Property During Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB Fixed 2 Years Fixed

3%2 Year Average

$2,218.392 Year Average

$23,143.69

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.00%
  
  $2218.39/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.00%
  
  $2218.39/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.36%
  
  $2474.462/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  4.56%
  
  $2509.717/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 2 Years - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3 Years Fixed

3%2 Year Average

$2,218.392 Year Average

$23,143.69

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.00%
  
  $2218.39/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.00%
  
  $2218.39/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.00%
  
  $2218.39/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.56%
  
  $2498.224/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$300,000 - One time free conversion after lock in period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2 Years Fixed

3.05%2 Year Average

$2,228.422 Year Average

$23,533.90

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.05%
  
  $2228.416/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.05%
  
  $2228.416/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.31%
  
  $2465.757/mth
  
  Year 3 3M SORA + 0.750%
- Year 4
  
  4.56%
  
  $2509.783/mth
  
  Year 3 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$300,000 - One time free conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Hong Leong Finance 2 Years Fixed

3.08%2 Year Average

$2,234.442 Year Average

$23,768.09

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.08%
  
  $2234.444/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.08%
  
  $2234.444/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.35%
  
  $2474.118/mth
  
  Year 3 Board Rate
- Year 4
  
  4.35%
  
  $2474.118/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	- Interest Commence 3 month from Date of LO or 1st Disbursement - 2 Years Clawback Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB Fixed 2 Years Fixed

3.1%2 Year Average

$2,238.472 Year Average

$23,924.24

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.10%
  
  $2238.468/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.10%
  
  $2238.468/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.21%
  
  $2447.397/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.26%
  
  $2456.127/mth
  
  Year 4 3M SORA + 0.700%

Features

Subsidy Comment	- Free Conversion after 2 Years - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 2 Years Fixed

3.1%2 Year Average

$2,238.472 Year Average

$23,924.24

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.15%
  
  $2248.546/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.05%
  
  $2229.306/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.26%
  
  $2457.055/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.56%
  
  $2512.693/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size $800,000 - Free Conversion after Lock In For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 2 Years Fixed

3.2%2 Year Average

$2,258.652 Year Average

$24,705.30

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.30%
  
  $2278.941/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.10%
  
  $2240.243/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.26%
  
  $2459.012/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.56%
  
  $2514.694/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size $800,000 - Free Conversion after Lock In For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 2 Years Fixed

3.25%2 Year Average

$2,268.782 Year Average

$25,096.03

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.25%
  
  $2268.783/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.25%
  
  $2268.783/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.56%
  
  $2518.531/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.56%
  
  $2518.531/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period - Waiver of Full Redemption Penalty due to Sale of Property During Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 2 Years Fixed

3.3%2 Year Average

$2,278.942 Year Average

$25,486.88

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.30%
  
  $2278.941/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.30%
  
  $2278.941/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.47%
  
  $2501.886/mth
  
  Year 3 1M SORA + 1.00%
- Year 4
  
  4.47%
  
  $2501.886/mth
  
  Year 4 1M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 3 Years Fixed

3.4%2 Year Average

$2,299.342 Year Average

$26,268.95

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.40%
  
  $2299.337/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.40%
  
  $2299.337/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.40%
  
  $2299.337/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.47%
  
  $2493.541/mth
  
  Year 4 1M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2 Years Fixed

3.48%2 Year Average

$2,315.732 Year Average

$26,894.98

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.00%
  
  $2218.39/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.96%
  
  $2406.526/mth
  
  Year 2 3M SORA + 0.400%
- Year 3
  
  4.06%
  
  $2425.718/mth
  
  Year 3 3M SORA + 0.500%
- Year 4
  
  4.56%
  
  $2518.256/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$300,000 - One time free conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 2 Years Fixed

3.5%2 Year Average

$2,319.842 Year Average

$27,051.53

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.50%
  
  $2319.839/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.50%
  
  $2319.839/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.47%
  
  $2505.82/mth
  
  Year 3 1M SORA + 1.000%
- Year 4
  
  4.47%
  
  $2505.82/mth
  
  Year 4 1M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after Lock In For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 2 Years Fixed

3.53%2 Year Average

$2,326.012 Year Average

$27,286.40

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.90%
  
  $2198.42/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.16%
  
  $2445.849/mth
  
  Year 2 3M SORA + 0.600%
- Year 3
  
  4.21%
  
  $2455.525/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.56%
  
  $2520.57/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 12months - 50% Partial Payment of Orig Loan Amount Allowed, During Lock-in Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB 2 Year Fixed

3.75%2 Year Average

$2,371.552 Year Average

$29,010.13

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.75%
  
  $2371.553/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.75%
  
  $2371.553/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.56%
  
  $2528.368/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.56%
  
  $2528.368/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- One time free conversion after lock in period

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Hong Leong Finance 1 Year Fixed

3.98%2 Year Average

$2,419.712 Year Average

$30,814.66

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.68%
  
  $2357.007/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.28%
  
  $2477.804/mth
  
  Year 2 Board Rate
- Year 3
  
  4.35%
  
  $2491.478/mth
  
  Year 3 Board Rate
- Year 4
  
  4.35%
  
  $2491.478/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	- Interest Commence 3 month from Date of LO or 1st Disbursement - 2 Years Clawback Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Citibank 2 Years Fixed

4%2 Year Average

$2,423.922 Year Average

$30,971.70

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.00%
  
  $2423.921/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.00%
  
  $2423.921/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.56%
  
  $2533.156/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.56%
  
  $2533.156/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size $100,000 - 1 x Free Conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS FHR6 2 Years Lock FD-Linked Plan

4%2 Year Average

$2,423.922 Year Average

$30,971.70

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.00%
  
  $2423.921/mth
  
  Year 1 FHR6 + 1.10%
- Year 2
  
  4.00%
  
  $2423.921/mth
  
  Year 2 FHR6 + 1.10%
- Year 3
  
  4.00%
  
  $2423.921/mth
  
  Year 3 FHR6 + 1.10%
- Year 4
  
  4.00%
  
  $2423.921/mth
  
  Year 4 FHR6 + 1.10%

Features

Subsidy Comment	- Min loan size S$500,000 For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 3M SORA 2 Years Lock Plan

4.01%2 Year Average

$2,426.032 Year Average

$31,050.22

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.01%
  
  $2426.03/mth
  
  Year 1 3M SORA + 0.450%
- Year 2
  
  4.01%
  
  $2426.03/mth
  
  Year 2 3M SORA + 0.450%
- Year 3
  
  4.01%
  
  $2426.03/mth
  
  Year 3 3M SORA + 0.450%
- Year 4
  
  4.56%
  
  $2528.11/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$800,000 - Free Conversion after 6 months from disbursement For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 3M SORA 2 Years Lock Plan

4.06%2 Year Average

$2,436.592 Year Average

$31,442.91

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.06%
  
  $2436.586/mth
  
  Year 1 3M SORA + 0.500%
- Year 2
  
  4.06%
  
  $2436.586/mth
  
  Year 2 3M SORA + 0.500%
- Year 3
  
  4.06%
  
  $2436.586/mth
  
  Year 3 3M SORA + 0.500%
- Year 4
  
  4.56%
  
  $2529.539/mth
  
  Year 4 3M SORA + 1.000%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Bank of China 3M SORA 2 Years Lock Plan

4.06%2 Year Average

$2,436.592 Year Average

$31,442.91

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.06%
  
  $2436.586/mth
  
  Year 1 3M SORA + 0.50%
- Year 2
  
  4.06%
  
  $2436.586/mth
  
  Year 2 3M SORA + 0.50%
- Year 3
  
  4.16%
  
  $2455.953/mth
  
  Year 3 3M SORA + 0.60%
- Year 4
  
  4.56%
  
  $2526.65/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$500,000 - One time free conversion anytime - Waiver of Full Redemption Penalty, Due to Sale of Property For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 3M SORA 2 Years Lock Plan

4.11%2 Year Average

$2,447.172 Year Average

$31,835.71

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.11%
  
  $2447.169/mth
  
  Year 1 3M SORA + 0.550%
- Year 2
  
  4.11%
  
  $2447.169/mth
  
  Year 2 3M SORA + 0.550%
- Year 3
  
  4.16%
  
  $2456.867/mth
  
  Year 3 3M SORA + 0.600%
- Year 4
  
  4.16%
  
  $2456.867/mth
  
  Year 4 3M SORA + 0.600%

Features

Subsidy Comment	- Free Conversion after 12 months - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500 - Min Loan for SCB Priority Client: $500k

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 3M SORA 2 Years Lock Plan

4.11%2 Year Average

$2,447.172 Year Average

$31,835.71

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.11%
  
  $2447.169/mth
  
  Year 1 3M SORA + 0.55%
- Year 2
  
  4.11%
  
  $2447.169/mth
  
  Year 2 3M SORA + 0.55%
- Year 3
  
  4.66%
  
  $2555.046/mth
  
  Year 3 3M SORA + 1.10%
- Year 4
  
  4.66%
  
  $2555.046/mth
  
  Year 4 3M SORA + 1.10%

Features

Subsidy Comment	- Free Conversion after 12months - 50% Partial Payment of Orig Loan Amount Allowed, During Lock-in Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 3M SORA 2 Years Lock Plan

4.16%2 Year Average

$2,457.782 Year Average

$32,228.62

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.16%
  
  $2457.778/mth
  
  Year 1 3M SORA + 0.60%
- Year 2
  
  4.16%
  
  $2457.778/mth
  
  Year 2 3M SORA + 0.60%
- Year 3
  
  4.21%
  
  $2467.501/mth
  
  Year 3 3M SORA + 0.65%
- Year 4
  
  4.21%
  
  $2467.501/mth
  
  Year 4 3M SORA + 0.65%

Features

Subsidy Comment	- Free Conversion after 12months - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500 - Min Loan for SCB Priority Client: $500k

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock Plan

4.16%2 Year Average

$2,457.782 Year Average

$32,228.62

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.16%
  
  $2457.778/mth
  
  Year 1 3M SORA + 0.600%
- Year 2
  
  4.16%
  
  $2457.778/mth
  
  Year 2 3M SORA + 0.600%
- Year 3
  
  4.21%
  
  $2467.501/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.56%
  
  $2529.494/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock Plan

4.21%2 Year Average

$2,468.412 Year Average

$32,621.66

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.21%
  
  $2468.412/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  4.21%
  
  $2468.412/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  4.21%
  
  $2468.412/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.56%
  
  $2533.799/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3M SORA 2 Years Lock Plan

4.21%2 Year Average

$2,468.412 Year Average

$32,621.66

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.21%
  
  $2468.412/mth
  
  Year 1 3M SORA + 0.65%
- Year 2
  
  4.21%
  
  $2468.412/mth
  
  Year 2 3M SORA + 0.65%
- Year 3
  
  4.36%
  
  $2497.724/mth
  
  Year 3 3M SORA + 0.80%
- Year 4
  
  4.56%
  
  $2533.311/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$300,000 - One time free conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Citibank 3M SORA 2 Years Lock Plan

4.21%2 Year Average

$2,468.412 Year Average

$32,621.66

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.21%
  
  $2468.412/mth
  
  Year 1 3M SORA + 0.65%
- Year 2
  
  4.21%
  
  $2468.412/mth
  
  Year 2 3M SORA + 0.65%
- Year 3
  
  4.31%
  
  $2487.931/mth
  
  Year 3 3M SORA + 0.75%
- Year 4
  
  4.56%
  
  $2532.353/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size $100,000 - 1 x Free Conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 1M SORA 2 Years Lock Plan

4.22%2 Year Average

$2,470.542 Year Average

$32,700.28

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.22%
  
  $2470.542/mth
  
  Year 1 1M SORA + 0.750%
- Year 2
  
  4.22%
  
  $2470.542/mth
  
  Year 2 1M SORA + 0.750%
- Year 3
  
  4.32%
  
  $2490.072/mth
  
  Year 3 1M SORA + 0.850%
- Year 4
  
  4.47%
  
  $2516.685/mth
  
  Year 4 1M SORA + 1.000%

Features

Subsidy Comment	- 1 x Free Conversion Anytime - Partial Payment up to 30% of Original Loan amount during lock in - 50% Waiver of Penalty Due to Sale (Loan Less Than $800k) For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB Fixed 2 Years Fixed

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.25%
  
  $2476.938/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.56%
  
  $2537.859/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.56%
  
  $2537.859/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 2 Years - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 3M SORA 1 Year Lock Plan

4.26%2 Year Average

$2,479.072 Year Average

$33,014.80

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.26%
  
  $2479.072/mth
  
  Year 1 3M SORA + 0.70%
- Year 2
  
  4.26%
  
  $2479.072/mth
  
  Year 2 3M SORA + 0.70%
- Year 3
  
  4.26%
  
  $2479.072/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.56%
  
  $2535.209/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock In - Partial Payment Penalty Waiver up to 50% of Loan Prepaid during Lock In For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 1M SORA 1 Year Lock Plan

4.27%2 Year Average

$2,481.212 Year Average

$33,093.43

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.27%
  
  $2481.207/mth
  
  Year 1 1M SORA + 0.800%
- Year 2
  
  4.27%
  
  $2481.207/mth
  
  Year 2 1M SORA + 0.800%
- Year 3
  
  5.22%
  
  $2670.724/mth
  
  Year 3 1M SORA + 1.750%
- Year 4
  
  5.22%
  
  $2670.724/mth
  
  Year 4 1M SORA + 1.750%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock In - Partial Payment Penalty Waiver up to 50% of Loan Prepaid during Lock In For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Citibank 2 Years Fixed

4.28%2 Year Average

$2,483.342 Year Average

$33,172.09

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.31%
  
  $2489.216/mth
  
  Year 2 3M SORA + 0.75%
- Year 3
  
  4.41%
  
  $2508.833/mth
  
  Year 3 3M SORA + 0.85%
- Year 4
  
  4.56%
  
  $2537.011/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size $100,000 - 1 x Free Conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 3M SORA 2 Years Lock Plan

4.31%2 Year Average

$2,489.762 Year Average

$33,408.05

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.31%
  
  $2489.758/mth
  
  Year 1 3M SORA + 0.750%
- Year 2
  
  4.31%
  
  $2489.758/mth
  
  Year 2 3M SORA + 0.750%
- Year 3
  
  4.41%
  
  $2509.379/mth
  
  Year 3 3M SORA + 0.850%
- Year 4
  
  4.56%
  
  $2536.126/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- 1 x Free Conversion Anytime - Partial Payment up to 30% of Original Loan amount during lock in - 50% Waiver of Penalty Due to Sale (Loan Less Than $800k) - 100% Waiver of Penalty Due to Sale (Loan More Than $800k) For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock Plan

4.31%2 Year Average

$2,489.762 Year Average

$33,408.05

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.31%
  
  $2489.758/mth
  
  Year 1 3M SORA + 0.75%
- Year 2
  
  4.31%
  
  $2489.758/mth
  
  Year 2 3M SORA + 0.75%
- Year 3
  
  4.31%
  
  $2489.758/mth
  
  Year 3 3M SORA + 0.75%
- Year 4
  
  4.56%
  
  $2536.614/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Hong Leong Finance Board 2 Years Lock In Period

4.35%2 Year Average

$2,498.322 Year Average

$33,722.74

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.35%
  
  $2498.325/mth
  
  Year 1 Board Rate
- Year 2
  
  4.35%
  
  $2498.325/mth
  
  Year 2 Board Rate
- Year 3
  
  4.35%
  
  $2498.325/mth
  
  Year 3 Board Rate
- Year 4
  
  4.35%
  
  $2498.325/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	- Interest Commence 3 month from Date of LO or 1st Disbursement - 2 Years Clawback Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Citibank 3M SORA 2 Years Lock Plan

4.51%2 Year Average

$2,532.762 Year Average

$34,982.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.51%
  
  $2532.757/mth
  
  Year 1 3M SORA + 0.95%
- Year 2
  
  4.51%
  
  $2532.757/mth
  
  Year 2 3M SORA + 0.95%
- Year 3
  
  4.51%
  
  $2532.757/mth
  
  Year 3 3M SORA + 0.95%
- Year 4
  
  4.56%
  
  $2542.189/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size $100,000 - 1 x Free Conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB 3M SORA 2 Year Lock Plan

4.56%2 Year Average

$2,543.572 Year Average

$35,375.96

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.56%
  
  $2543.571/mth
  
  Year 1 3M SORA + 1.00%
- Year 2
  
  4.56%
  
  $2543.571/mth
  
  Year 2 3M SORA + 1.00%
- Year 3
  
  4.56%
  
  $2543.571/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.56%
  
  $2543.571/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - One time free conversion after lock in period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 3M SORA 2 Years Lock Plan

4.56%2 Year Average

$2,543.572 Year Average

$35,375.96

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.56%
  
  $2543.571/mth
  
  Year 1 3M SORA + 1.000%
- Year 2
  
  4.56%
  
  $2543.571/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  4.56%
  
  $2543.571/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.56%
  
  $2543.571/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 12months - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500 - Min Loan for SCB Priority Client: $500k

Details

Residential Loan/Property Loan – New Purchase

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