Compounded
1-Month
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Indicative rates from our panel of 16+ banks — fixed and floating, HDB and private. Updated regularly.
Source: Monetary Authority of Singapore · RSS · JSON · Stress-test ↓
Tracking the benchmark itself? See the full SORA rate today — live 1M & 3M compounded SORA with daily history.
Representative lowest-tier Year-1 rate per lender across 114 packages. Indicative only — exact pricing depends on loan size and profile. Interactive comparison below.
| Bank | Best fixed (Yr 1) | Best floating (Yr 1) |
|---|---|---|
| DBS | 1.45% (1YR FIXED) | 1.35% (FHR Pegged) |
| OCBC | 1.40% (2YRS FIXED) | 1.35% (3 MTHS SORA) |
| UOB | 1.40% (1YR FIXED) | 1.43% (3 MTHS SORA) |
| HSBC | 1.40% (1YR FIXED) | 1.35% (3 MTHS SORA) |
| Standard Chartered | 1.40% (1YR FIXED) | 1.40% (3 MTHS SORA) |
| Maybank | 1.45% (2YRS FIXED) | 1.35% (3 MTHS SORA) |
| Citibank | 1.42% (2YRS FIXED) | — |
| RHB | 1.45% (1YR FIXED) | 1.47% (1 MTH SORA) |
| Bank of China | 1.60% (2YRS FIXED) | — |
| SBI | 1.65% (2YRS FIXED) | — |
MAS requires lenders to compute TDSR using a 4.00% medium-term floor — even if your actual rate is lower. Use this to see your worst-case monthly instalment plus how rate hikes affect cash flow.
| Scenario | Rate | Monthly | Δ vs current |
|---|---|---|---|
| Loading… | |||
| Cap | Stress Monthly | Min Gross Income | Tenure |
|---|
Min income = stress-tested monthly ÷ servicing cap. Tenure auto-capped: HDB / EC max 25 years, private property max 30 years. Stress floor per MAS Notice 645. Excludes other debts — car/CC/personal loans reduce TDSR headroom. For a personalised IPA, request your free report.
Rates by Bank
Prefer to see one bank's full package range — fixed, SORA and board-rate — before you compare across the market? Start with the majors.
Common Questions
Every bank must assess your loan at a 4% medium-term interest rate, whatever rate you actually pay. Your borrowing limit is worked out at that 4% figure and capped at 55% of gross monthly income under TDSR, so the rate you qualify on is not the rate you are quoted. Our affordability check runs the same math.
Fixed-rate packages are repriced by each bank whenever funding costs shift, sometimes several times a month. Floating packages move with their benchmark at each reset date. The table above is rebuilt from our advisor rate sheets, and the benchmark is refreshed daily from MAS.
No. Banks pay the brokerage on disbursement, so the comparison, the paperwork and the application are free to you, and the rate you get is the same rate the bank would offer directly.