OCBC Home Loan Rates Singapore
OCBC prices home loans as fixed-rate packages (1–3 year locks) and SORA-pegged floating packages on both the 1-month and 3-month compounded SORA. Its 1-month SORA option repriced faster in both directions, which suits borrowers who want to ride rate cuts quickly; its fixed packages appeal to buyers who want a settled payment.
OCBC Home Loan Packages
Representative lowest-tier rate for each OCBC 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 | 1.43% | 1.48% | 1.58% | 2.08% | > $1M |
| 2-Yr Fixed | 2 yr | 1.45% | 1.45% | 1.73% | 2.08% | > $1.5M |
| 3-Yr Fixed | 3 yr | 1.60% | 1.60% | 1.60% | 2.08% | > $700K |
| 3M SORA (Floating) | 2 yr | 1.33% | 1.33% | 1.83% | 1.83% | > $1.2M |
| 1M SORA (Floating) | 2 yr | 1.32% | 1.32% | 1.82% | 1.82% | > $1.2M |
Indicative only — not an offer of credit. Rates are subject to Oversea-Chinese Banking Corporation (OCBC)’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 OCBC Right For You?
OCBC is frequently in the running for the lowest fixed rate and runs eco/green packages for qualifying properties. As with any single bank, the advertised rate is the best-case tier — your actual pricing depends on loan size and profile. We compare OCBC head-to-head with DBS, UOB and 13 other banks so you take the OCBC package only when it genuinely wins.
We’re an independent broker — not a OCBC salesperson. We’ll tell you whether OCBC genuinely wins for your numbers, free of charge.
Ask an Independent Broker →OCBC Home Loan Questions
What is the difference between OCBC 1M and 3M SORA?
Both are floating rates pegged to the Singapore Overnight Rate Average, but averaged over a different window. The 1-month SORA reprices faster — it falls (and rises) sooner as the market moves — while the 3-month SORA is smoother and more stable. Neither is ‘better’ universally; it is a trade-off between responsiveness and predictability.
Does OCBC offer a green or eco home loan?
OCBC has run eco-care / green mortgage packages that offer preferential terms or rebates for properties meeting green certification (such as BCA Green Mark) or for green renovations. Availability and terms change, so confirm current eligibility before relying on it — we check live.
Is OCBC good for refinancing?
OCBC is a common refinance destination and often provides a legal subsidy on larger loans that offsets most switching costs. Whether it is your cheapest refinance depends on the rate gap and any lock-in on your current loan. We run the break-even before you switch.
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