DBS Home Loan Rates Singapore
DBS is Singapore’s largest bank and a default first stop for many buyers. It prices home loans three ways: fixed-rate packages that lock your rate for 1–3 years, its board-rate FHR (Fixed Home Rate) peg, and 3-month compounded SORA floating packages. Which one is cheapest for you depends on your loan quantum and whether you value certainty or a lower starting rate.
DBS Home Loan Packages
Representative lowest-tier rate for each DBS package type, as of 11 May 2026. Rates step up after the lock-in and reprice by loan quantum — the exact rate you qualify for depends on your loan size and profile.
| Package | Lock-in | Year 1 | Year 2 | Year 3 | Thereafter | Min. loan |
|---|---|---|---|---|---|---|
| 1-Yr Fixed | 2 yr | 1.45% | 1.43% | 1.48% | 2.08% | > $1.5M |
| 2-Yr Fixed | 2 yr | 1.63% | 1.63% | 2.08% | 2.08% | > $1.5M |
| 3-Yr Fixed | 3 yr | 1.65% | 1.65% | 1.65% | 2.08% | > $1.5M |
| 3M SORA (Floating) | 2 yr | 1.33% | 1.36% | 1.58% | 1.83% | Min >$1.5M |
| FHR Board Rate (Floating) | 2 yr | 1.35% | 1.35% | 2.10% | 2.40% | >$1.5M |
Indicative only — not an offer of credit. Rates are subject to DBS Bank Ltd’s confirmation at application and change frequently. SORA reference: 3M 1.08%, 1M 1.07% (as of 2026-06-26). For your exact eligible rate, get a free personalised report.
Is DBS Right For You?
DBS often leads on fixed-rate pricing for larger loans and its FHR board rate has historically moved less abruptly than some peers. But “go straight to DBS” is rarely the cheapest route — the headline rate you see advertised is usually the highest-quantum tier, and the same profile can price 0.2–0.4% lower at another bank in the same week. We hold live pricing from DBS and 15 other banks, so we tell you when DBS wins and when it doesn’t.
We’re an independent broker — not a DBS salesperson. We’ll tell you whether DBS genuinely wins for your numbers, free of charge.
Ask an Independent Broker →DBS Home Loan Questions
Are DBS home loan rates the lowest in Singapore?
Not always. DBS is consistently competitive, especially on fixed-rate packages for larger loans, but on any given week another bank may price 0.2–0.4% lower for the same profile. Because rates reprice frequently and vary by loan quantum, the only way to know is to compare DBS against the rest of the market at the moment you apply — which is exactly what a broker does at no cost to you.
What is DBS FHR?
FHR (Fixed Home Rate) is DBS’s internal board rate benchmark, based on its fixed deposit rates. Your loan is priced as FHR plus a spread. It is a floating rate — it can change — but it tends to move less abruptly than market SORA. DBS also offers 3-month compounded SORA packages if you prefer a transparent market-linked peg.
Should I take a DBS fixed or SORA package?
Fixed gives you certainty for the lock-in years, useful if you want a predictable payment. SORA usually starts lower but moves with the market. With SORA at roughly 1.08% in mid-2026, floating packages have looked attractive, but the right answer depends on your risk appetite and how long you plan to hold. We model both against your actual numbers before you commit.
Want the cheapest rate — DBS or otherwise?
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