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

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
  
  4.44%
  
  $2490.029/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  4.64%
  
  $2525.421/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

Bank of China 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
  
  4.64%
  
  $2530.211/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.64%
  
  $2530.211/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

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
  
  4.34%
  
  $2472.565/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.64%
  
  $2528.41/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

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
  
  4.54%
  
  $2511.592/mth
  
  Year 3 3M SORA + 0.900%
- Year 4
  
  4.64%
  
  $2529.351/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

Bank of China 3 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
  
  3.10%
  
  $2238.468/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.64%
  
  $2516.158/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 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
  
  4.64%
  
  $2531.23/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.64%
  
  $2531.23/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

OCBC 2 Years Fixed

3.15%2 Year Average

$2,248.552 Year Average

$24,314.70

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.15%
  
  $2248.546/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.15%
  
  $2248.546/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.64%
  
  $2532.246/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.64%
  
  $2532.246/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

DBS 2 Years Fixed

3.15%2 Year Average

$2,248.552 Year Average

$24,314.70

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.15%
  
  $2248.546/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.15%
  
  $2248.546/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.64%
  
  $2532.246/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.64%
  
  $2532.246/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

OCBC 3 Years Fixed

3.15%2 Year Average

$2,248.552 Year Average

$24,314.70

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.15%
  
  $2248.546/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.15%
  
  $2248.546/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.15%
  
  $2248.546/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.64%
  
  $2517.682/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

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
  
  4.34%
  
  $2474.534/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.64%
  
  $2530.424/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

OCBC 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
  
  3.20%
  
  $2258.651/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.20%
  
  $2258.651/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.64%
  
  $2533.259/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.64%
  
  $2533.259/mth
  
  Year 3 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

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
  
  4.64%
  
  $2534.268/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.64%
  
  $2534.268/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
  
  4.61%
  
  $2529.363/mth
  
  Year 3 1M SORA + 1.00%
- Year 4
  
  4.61%
  
  $2529.363/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
  
  4.61%
  
  $2519.624/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

DBS 2 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
  
  4.64%
  
  $2537.274/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.64%
  
  $2537.274/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

RHB 2 Years Fixed

3.645%2 Year Average

$2,349.752 Year Average

$28,187.15

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.05%
  
  $2228.416/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.24%
  
  $2463.564/mth
  
  Year 2 3M SORA + 0.600%
- Year 3
  
  4.29%
  
  $2473.284/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.64%
  
  $2538.63/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

DBS 3 Years 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
  
  3.75%
  
  $2371.553/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.64%
  
  $2535.605/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

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
  
  4.64%
  
  $2544.166/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.64%
  
  $2544.166/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 2 Years Fixed

3.8%2 Year Average

$2,381.972 Year Average

$29,402.21

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.80%
  
  $2381.975/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.80%
  
  $2381.975/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.45%
  
  $2507.692/mth
  
  Year 3 Board Rate
- Year 4
  
  4.45%
  
  $2507.692/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

Hong Leong Finance 3 Years Fixed

3.95%2 Year Average

$2,413.402 Year Average

$30,579.15

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.95%
  
  $2413.396/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.95%
  
  $2413.396/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.95%
  
  $2413.396/mth
  
  Year 3 Board Rate
- Year 4
  
  4.45%
  
  $2505.793/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

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

HSBC 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
  
  4.61%
  
  $2543.042/mth
  
  Year 3 1M SORA + 1.000%
- Year 4
  
  4.61%
  
  $2543.042/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

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
  
  4.64%
  
  $2548.984/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.64%
  
  $2548.984/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

Bank of China 3M SORA 2 Years Lock Plan

4.14%2 Year Average

$2,453.532 Year Average

$32,071.45

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.14%
  
  $2453.531/mth
  
  Year 1 3M SORA + 0.50%
- Year 2
  
  4.14%
  
  $2453.531/mth
  
  Year 2 3M SORA + 0.50%
- Year 3
  
  4.19%
  
  $2463.244/mth
  
  Year 3 3M SORA + 0.55%
- Year 4
  
  4.64%
  
  $2543.023/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

RHB 3M SORA 2 Years Lock Plan

4.19%2 Year Average

$2,464.162 Year Average

$32,464.43

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.19%
  
  $2464.155/mth
  
  Year 1 3M SORA + 0.55%
- Year 2
  
  4.19%
  
  $2464.155/mth
  
  Year 2 3M SORA + 0.55%
- Year 3
  
  4.74%
  
  $2572.479/mth
  
  Year 3 3M SORA + 1.10%
- Year 4
  
  4.74%
  
  $2572.479/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

4.19%2 Year Average

$2,464.162 Year Average

$32,464.43

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.19%
  
  $2464.155/mth
  
  Year 1 3M SORA + 0.550%
- Year 2
  
  4.19%
  
  $2464.155/mth
  
  Year 2 3M SORA + 0.550%
- Year 3
  
  4.24%
  
  $2473.894/mth
  
  Year 3 3M SORA + 0.600%
- Year 4
  
  4.24%
  
  $2473.894/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

DBS 3M SORA 2 Years Lock Plan

4.24%2 Year Average

$2,474.802 Year Average

$32,857.53

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.24%
  
  $2474.805/mth
  
  Year 1 3M SORA + 0.600%
- Year 2
  
  4.24%
  
  $2474.805/mth
  
  Year 2 3M SORA + 0.600%
- Year 3
  
  4.29%
  
  $2484.569/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.64%
  
  $2546.84/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

CIMB 3M SORA 2 Years Lock Plan

4.24%2 Year Average

$2,474.802 Year Average

$32,857.53

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.24%
  
  $2474.805/mth
  
  Year 1 3M SORA + 0.600%
- Year 2
  
  4.24%
  
  $2474.805/mth
  
  Year 2 3M SORA + 0.600%
- Year 3
  
  4.34%
  
  $2494.355/mth
  
  Year 3 3M SORA + 0.700%
- Year 4
  
  4.74%
  
  $2565.765/mth
  
  Year 4 3M SORA + 1.100%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 3M SORA 2 Years Lock Plan

4.24%2 Year Average

$2,474.802 Year Average

$32,857.53

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.24%
  
  $2474.805/mth
  
  Year 1 3M SORA + 0.60%
- Year 2
  
  4.24%
  
  $2474.805/mth
  
  Year 2 3M SORA + 0.60%
- Year 3
  
  4.29%
  
  $2484.569/mth
  
  Year 3 3M SORA + 0.65%
- Year 4
  
  4.29%
  
  $2484.569/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

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
  
  4.64%
  
  $2553.716/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.64%
  
  $2553.716/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 3M SORA 2 Years Lock Plan

4.29%2 Year Average

$2,485.482 Year Average

$33,250.73

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.29%
  
  $2485.48/mth
  
  Year 1 3M SORA + 0.65%
- Year 2
  
  4.29%
  
  $2485.48/mth
  
  Year 2 3M SORA + 0.65%
- Year 3
  
  4.44%
  
  $2514.915/mth
  
  Year 3 3M SORA + 0.80%
- Year 4
  
  4.64%
  
  $2550.66/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

DBS 3M SORA 2 Years Lock Plan

4.29%2 Year Average

$2,485.482 Year Average

$33,250.73

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.29%
  
  $2485.48/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  4.29%
  
  $2485.48/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  4.29%
  
  $2485.48/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.64%
  
  $2551.149/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

Citibank 3M SORA 2 Years Lock Plan

4.29%2 Year Average

$2,485.482 Year Average

$33,250.73

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.29%
  
  $2485.48/mth
  
  Year 1 3M SORA + 0.65%
- Year 2
  
  4.29%
  
  $2485.48/mth
  
  Year 2 3M SORA + 0.65%
- Year 3
  
  4.39%
  
  $2505.081/mth
  
  Year 3 3M SORA + 0.75%
- Year 4
  
  4.64%
  
  $2549.701/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

CIMB 3M SORA 2 Years Lock Plan

4.315%2 Year Average

$2,490.832 Year Average

$33,447.38

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.29%
  
  $2485.48/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  4.34%
  
  $2495.73/mth
  
  Year 2 3M SORA + 0.700%
- Year 3
  
  4.39%
  
  $2505.543/mth
  
  Year 3 3M SORA + 0.750%
- Year 4
  
  4.74%
  
  $2571.527/mth
  
  Year 4 3M SORA + 1.100%

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

Citibank 2 Years Fixed

4.32%2 Year Average

$2,491.902 Year Average

$33,486.71

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.39%
  
  $2505.639/mth
  
  Year 2 3M SORA + 0.75%
- Year 3
  
  4.49%
  
  $2525.332/mth
  
  Year 3 3M SORA + 0.85%
- Year 4
  
  4.64%
  
  $2553.622/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

Maybank 3M SORA 1 Year Lock Plan

4.34%2 Year Average

$2,496.182 Year Average

$33,644.06

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.34%
  
  $2496.182/mth
  
  Year 1 3M SORA + 0.70%
- Year 2
  
  4.34%
  
  $2496.182/mth
  
  Year 2 3M SORA + 0.70%
- Year 3
  
  4.34%
  
  $2496.182/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.64%
  
  $2552.56/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

DBS 3M SORA 2 Years Lock Plan

4.39%2 Year Average

$2,506.912 Year Average

$34,037.48

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.39%
  
  $2506.908/mth
  
  Year 1 3M SORA + 0.75%
- Year 2
  
  4.39%
  
  $2506.908/mth
  
  Year 2 3M SORA + 0.75%
- Year 3
  
  4.39%
  
  $2506.908/mth
  
  Year 3 3M SORA + 0.75%
- Year 4
  
  4.64%
  
  $2553.966/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

HSBC 1M SORA 2 Years Lock Plan

4.39%2 Year Average

$2,506.912 Year Average

$34,037.48

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.39%
  
  $2506.908/mth
  
  Year 1 1M SORA + 0.750%
- Year 2
  
  4.39%
  
  $2506.908/mth
  
  Year 2 1M SORA + 0.750%
- Year 3
  
  4.49%
  
  $2526.611/mth
  
  Year 3 1M SORA + 0.850%
- Year 4
  
  4.64%
  
  $2553.477/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

HSBC 3M SORA 2 Years Lock Plan

4.39%2 Year Average

$2,506.912 Year Average

$34,037.48

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.39%
  
  $2506.908/mth
  
  Year 1 3M SORA + 0.750%
- Year 2
  
  4.39%
  
  $2506.908/mth
  
  Year 2 3M SORA + 0.750%
- Year 3
  
  4.49%
  
  $2526.611/mth
  
  Year 3 3M SORA + 0.850%
- Year 4
  
  4.64%
  
  $2553.477/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

Hong Leong Finance Board 2 Years Lock In Period

4.4%2 Year Average

$2,509.062 Year Average

$34,116.18

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.40%
  
  $2509.057/mth
  
  Year 1 Board Rate
- Year 2
  
  4.40%
  
  $2509.057/mth
  
  Year 2 Board Rate
- Year 3
  
  4.45%
  
  $2518.902/mth
  
  Year 3 Board Rate
- Year 4
  
  4.45%
  
  $2518.902/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

Maybank 1M SORA 1 Year Lock Plan

4.41%2 Year Average

$2,511.212 Year Average

$34,194.88

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.41%
  
  $2511.206/mth
  
  Year 1 1M SORA + 0.800%
- Year 2
  
  4.41%
  
  $2511.206/mth
  
  Year 2 1M SORA + 0.800%
- Year 3
  
  5.36%
  
  $2702.064/mth
  
  Year 3 1M SORA + 1.750%
- Year 4
  
  5.36%
  
  $2702.064/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 3M SORA 2 Years Lock Plan

4.59%2 Year Average

$2,550.072 Year Average

$35,612.29

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.59%
  
  $2550.071/mth
  
  Year 1 1M SORA + 0.95%
- Year 2
  
  4.59%
  
  $2550.071/mth
  
  Year 2 1M SORA + 0.95%
- Year 3
  
  4.59%
  
  $2550.071/mth
  
  Year 3 1M SORA + 0.95%
- Year 4
  
  4.64%
  
  $2559.543/mth
  
  Year 4 1M 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

4.64%2 Year Average

$2,560.932 Year Average

$36,006.25

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.64%
  
  $2560.926/mth
  
  Year 1 3M SORA + 1.00%
- Year 2
  
  4.64%
  
  $2560.926/mth
  
  Year 2 3M SORA + 1.00%
- Year 3
  
  4.64%
  
  $2560.926/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.64%
  
  $2560.926/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

4.64%2 Year Average

$2,560.932 Year Average

$36,006.25

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.64%
  
  $2560.926/mth
  
  Year 1 3M SORA + 1.000%
- Year 2
  
  4.64%
  
  $2560.926/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  4.64%
  
  $2560.926/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.64%
  
  $2560.926/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

Filter type of property

Filter

Top Residential Rates

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features

Rates & Payments

Features