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

Bank of China 2 Years Fixed

2.4%2 Year Average

$2,100.182 Year Average

$18,471.66

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.40%
  
  $2100.179/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.40%
  
  $2100.179/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.05%
  
  $2216.465/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  3.25%
  
  $2249.306/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 3M SORA 2 Years Lock Plan

2.7%2 Year Average

$2,158.802 Year Average

$20,805.23

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.70%
  
  $2158.801/mth
  
  Year 1 3M SORA + 0.450%
- Year 2
  
  2.70%
  
  $2158.801/mth
  
  Year 2 3M SORA + 0.450%
- Year 3
  
  2.70%
  
  $2158.801/mth
  
  Year 3 3M SORA + 0.450%
- Year 4
  
  3.25%
  
  $2253.55/mth
  
  Year 4 3M SORA + 1.000%

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

CIMB 3M SORA 2 Years Lock Plan

2.75%2 Year Average

$2,168.672 Year Average

$21,194.64

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.75%
  
  $2168.665/mth
  
  Year 1 3M SORA + 0.500%
- Year 2
  
  2.75%
  
  $2168.665/mth
  
  Year 2 3M SORA + 0.500%
- Year 3
  
  2.75%
  
  $2168.665/mth
  
  Year 3 3M SORA + 0.500%
- Year 4
  
  3.25%
  
  $2254.956/mth
  
  Year 4 3M SORA + 1.000%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3M SORA 2 Years Lock Plan

2.75%2 Year Average

$2,168.672 Year Average

$21,194.64

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.75%
  
  $2168.665/mth
  
  Year 1 3M SORA + 0.500%
- Year 2
  
  2.75%
  
  $2168.665/mth
  
  Year 2 3M SORA + 0.500%
- Year 3
  
  3.00%
  
  $2213.859/mth
  
  Year 3 3M SORA + 0.750%
- Year 4
  
  3.25%
  
  $2254.968/mth
  
  Year 3 3M SORA + 1.000%

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

Bank of China 3M SORA 2 Years Lock Plan

2.75%2 Year Average

$2,168.672 Year Average

$21,194.64

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.75%
  
  $2168.665/mth
  
  Year 1 3M SORA + 0.50%
- Year 2
  
  2.75%
  
  $2168.665/mth
  
  Year 2 3M SORA + 0.50%
- Year 3
  
  2.85%
  
  $2186.675/mth
  
  Year 3 3M SORA + 0.60%
- Year 4
  
  3.25%
  
  $2252.149/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

HSBC 1M SORA 2 Years Lock Plan

2.8%2 Year Average

$2,178.562 Year Average

$21,584.18

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.80%
  
  $2178.557/mth
  
  Year 1 1M SORA + 0.650%
- Year 2
  
  2.80%
  
  $2178.557/mth
  
  Year 2 1M SORA + 0.650%
- Year 3
  
  2.80%
  
  $2178.557/mth
  
  Year 3 1M SORA + 0.650%
- Year 4
  
  3.15%
  
  $2238.927/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

RHB 3M SORA 2 Years Lock Plan

2.8%2 Year Average

$2,178.562 Year Average

$21,584.18

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.80%
  
  $2178.557/mth
  
  Year 1 3M SORA + 0.55%
- Year 2
  
  2.80%
  
  $2178.557/mth
  
  Year 2 3M SORA + 0.55%
- Year 3
  
  3.35%
  
  $2279.005/mth
  
  Year 3 3M SORA + 1.10%
- Year 4
  
  3.35%
  
  $2279.005/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

2.85%2 Year Average

$2,188.472 Year Average

$21,973.87

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.85%
  
  $2188.475/mth
  
  Year 1 3M SORA + 0.60%
- Year 2
  
  2.85%
  
  $2188.475/mth
  
  Year 2 3M SORA + 0.60%
- Year 3
  
  2.90%
  
  $2197.521/mth
  
  Year 3 3M SORA + 0.65%
- Year 4
  
  2.90%
  
  $2197.521/mth
  
  Year 4 3M SORA + 0.65%

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

OCBC 3M SORA 2 Years Lock Plan

2.9%2 Year Average

$2,198.422 Year Average

$22,363.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.90%
  
  $2198.42/mth
  
  Year 1 3M SORA + 0.65%
- Year 2
  
  2.90%
  
  $2198.42/mth
  
  Year 2 3M SORA + 0.65%
- Year 3
  
  3.05%
  
  $2225.704/mth
  
  Year 3 3M SORA + 0.80%
- Year 4
  
  3.25%
  
  $2258.682/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

2.9%2 Year Average

$2,198.422 Year Average

$22,363.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.90%
  
  $2198.42/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  2.90%
  
  $2198.42/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  2.90%
  
  $2198.42/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  3.25%
  
  $2259.149/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

DBS 3M SORA 2 Years Lock Plan

2.9%2 Year Average

$2,198.422 Year Average

$22,363.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.90%
  
  $2198.42/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  2.90%
  
  $2198.42/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  2.90%
  
  $2198.42/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  3.25%
  
  $2259.149/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

HSBC 3M SORA 2 Years Lock Plan

2.9%2 Year Average

$2,198.422 Year Average

$22,363.67

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.90%
  
  $2198.42/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  2.90%
  
  $2198.42/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  2.90%
  
  $2198.42/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  3.25%
  
  $2259.149/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

Maybank 3M SORA 1 Year Lock Plan

2.95%2 Year Average

$2,208.392 Year Average

$22,753.62

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.95%
  
  $2208.392/mth
  
  Year 1 3M SORA + 0.70%
- Year 2
  
  2.95%
  
  $2208.392/mth
  
  Year 2 3M SORA + 0.70%
- Year 3
  
  2.95%
  
  $2208.392/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  3.25%
  
  $2260.538/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

3%2 Year Average

$2,218.392 Year Average

$23,143.69

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.00%
  
  $2218.39/mth
  
  Year 1 3M SORA + 0.75%
- Year 2
  
  3.00%
  
  $2218.39/mth
  
  Year 2 3M SORA + 0.75%
- Year 3
  
  3.00%
  
  $2218.39/mth
  
  Year 3 3M SORA + 0.75%
- Year 4
  
  3.25%
  
  $2261.923/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

Citibank 3M SORA 2 Years Lock Plan

3.2%2 Year Average

$2,258.652 Year Average

$24,705.30

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.20%
  
  $2258.651/mth
  
  Year 1 3M SORA + 0.95%
- Year 2
  
  3.20%
  
  $2258.651/mth
  
  Year 2 3M SORA + 0.95%
- Year 3
  
  3.20%
  
  $2258.651/mth
  
  Year 3 3M SORA + 0.95%
- Year 4
  
  3.25%
  
  $2267.42/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

SCB 3M SORA 2 Years Lock Plan

3.25%2 Year Average

$2,268.782 Year Average

$25,096.03

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.25%
  
  $2268.783/mth
  
  Year 1 3M SORA + 1.000%
- Year 2
  
  3.25%
  
  $2268.783/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  3.25%
  
  $2268.783/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  3.25%
  
  $2268.783/mth
  
  Year 4 3M SORA + 1.000%

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

UOB 3M SORA 2 Year Lock Plan

3.25%2 Year Average

$2,268.782 Year Average

$25,096.03

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.25%
  
  $2268.783/mth
  
  Year 1 3M SORA + 1.00%
- Year 2
  
  3.25%
  
  $2268.783/mth
  
  Year 2 3M SORA + 1.00%
- Year 3
  
  3.25%
  
  $2268.783/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  3.25%
  
  $2268.783/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

Hong Leong Finance Board 2 Years Lock In Period

3.97%2 Year Average

$2,417.602 Year Average

$30,736.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.97%
  
  $2417.603/mth
  
  Year 1 Board Rate
- Year 2
  
  3.97%
  
  $2417.603/mth
  
  Year 2 Board Rate
- Year 3
  
  4.25%
  
  $2471.792/mth
  
  Year 3 Board Rate
- Year 4
  
  4.25%
  
  $2471.792/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

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