SORA and home loan rates.
Most floating-rate bank home loans in Singapore are priced as compounded SORA plus a spread set by the bank. Compare current bank packages, MAS’s latest compounded SORA and the HDB loan rate, with what each works out to monthly.
Compare home loan packages.
Every package below is priced on today’s compounded SORA, year by year, with the monthly instalment for your loan.
| Bank and package | Year 1 | Year 2 | Year 3 | Thereafter | Lock-in | Monthly, year 1 | Source |
|---|
No packages match. Message me for the current offers.
Indicative rates, not an offer. For loan eligibility, banks assess at a floor of at least 4%.
Every major bank, not only the ones that publish.
OCBC, HSBC, Maybank, CIMB, Citibank, RHB and Bank of China quote their packages directly rather than online. Ask, and I will get today’s packages from all of them for your loan.
Compounded SORA over the last year.
Per cent a year. 3-month SORA moved from 1.31% on 3 Nov 2025 to 1.32% on 4 Nov 2026.
Source: MAS, updated 5 Nov 2026.
What a SORA package works out to.
Illustration for a S$600,000 loan over 25 years at today’s 3-month compounded SORA of 1.32%. Each bank sets its own spread and lock-in; packages change often, so ask for current offers before deciding.
| Package | Rate today | Monthly repayment |
|---|---|---|
| 3M SORA + 0.25% | 1.57% | S$2,418 |
| 3M SORA + 0.50% | 1.82% | S$2,490 |
| 3M SORA + 0.75% | 2.07% | S$2,562 |
| 3M SORA + 1.00% | 2.32% | S$2,636 |
Floating rates reset as SORA moves. For loan eligibility, banks assess repayments at a floor rate of at least 4%.
HDB concessionary loan.
HDB loans are priced at 0.1 percentage points above the CPF Ordinary Account rate, currently 2.6% a year for Oct–Dec 2026. HDB reviews it every quarter.
Comparing home loan packages?
Let’s look at the rate, lock-in, fees and how the loan fits your purchase timeline.
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