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

OCBC 3 Years Fixed

3%2 Year Average

$2,218.392 Year Average

$23,143.69

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.00%
  
  $2218.39/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.00%
  
  $2218.39/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.00%
  
  $2218.39/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.63%
  
  $2511.233/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$300,000 - 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

SCB Fixed 2 Years Fixed

3%2 Year Average

$2,218.392 Year Average

$23,143.69

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.00%
  
  $2218.39/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.00%
  
  $2218.39/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.43%
  
  $2488.08/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  4.63%
  
  $2523.455/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 2 Years - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 2 Years Fixed

3.05%2 Year Average

$2,228.422 Year Average

$23,533.90

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.05%
  
  $2228.416/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.05%
  
  $2228.416/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.38%
  
  $2479.351/mth
  
  Year 3 3M SORA + 0.750%
- Year 4
  
  4.63%
  
  $2523.525/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 2 Years Fixed

3.05%2 Year Average

$2,228.422 Year Average

$23,533.90

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.05%
  
  $2228.416/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.05%
  
  $2228.416/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.63%
  
  $2528.244/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.63%
  
  $2528.244/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

Hong Leong Finance 2 Years Fixed

3.08%2 Year Average

$2,234.442 Year Average

$23,768.09

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.08%
  
  $2234.444/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.08%
  
  $2234.444/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.35%
  
  $2474.118/mth
  
  Year 3 Board Rate
- Year 4
  
  4.35%
  
  $2474.118/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

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 2 Years Fixed

3.1%2 Year Average

$2,238.472 Year Average

$23,924.24

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.15%
  
  $2248.546/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.05%
  
  $2229.306/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.33%
  
  $2470.624/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.63%
  
  $2526.443/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size $800,000 - Free Conversion after 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

SCB Fixed 2 Years Fixed

3.1%2 Year Average

$2,238.472 Year Average

$23,924.24

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.10%
  
  $2238.468/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.10%
  
  $2238.468/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.53%
  
  $2509.633/mth
  
  Year 3 3M SORA + 0.900%
- Year 4
  
  4.63%
  
  $2527.384/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 2 Years - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Bank of China 3 Years Fixed

3.1%2 Year Average

$2,238.472 Year Average

$23,924.24

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.10%
  
  $2238.468/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.10%
  
  $2238.468/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.10%
  
  $2238.468/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.63%
  
  $2514.294/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

DBS 2 Years Fixed

3.1%2 Year Average

$2,238.472 Year Average

$23,924.24

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.10%
  
  $2238.468/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.10%
  
  $2238.468/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.63%
  
  $2529.263/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.63%
  
  $2529.263/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period - Waiver of Full Redemption Penalty due to Sale of Property 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

DBS 2 Years Fixed

3.15%2 Year Average

$2,248.552 Year Average

$24,314.70

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.15%
  
  $2248.546/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.15%
  
  $2248.546/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.63%
  
  $2530.278/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.63%
  
  $2530.278/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period - Waiver of Full Redemption Penalty due to Sale of Property 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

CIMB 2 Years Fixed

3.2%2 Year Average

$2,258.652 Year Average

$24,705.30

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.30%
  
  $2278.941/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.10%
  
  $2240.243/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.33%
  
  $2472.591/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.63%
  
  $2528.455/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size $800,000 - Free Conversion after 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 2 Years Fixed

3.25%2 Year Average

$2,268.782 Year Average

$25,096.03

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.25%
  
  $2268.783/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.25%
  
  $2268.783/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.63%
  
  $2532.298/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.63%
  
  $2532.298/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period - Waiver of Full Redemption Penalty due to Sale of Property 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

Maybank 2 Years Fixed

3.3%2 Year Average

$2,278.942 Year Average

$25,486.88

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.30%
  
  $2278.941/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.30%
  
  $2278.941/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.66%
  
  $2539.218/mth
  
  Year 3 1M SORA + 1.00%
- Year 4
  
  4.66%
  
  $2539.218/mth
  
  Year 4 1M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 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 3 Years Fixed

3.4%2 Year Average

$2,299.342 Year Average

$26,268.95

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.40%
  
  $2299.337/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.40%
  
  $2299.337/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.40%
  
  $2299.337/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.66%
  
  $2528.977/mth
  
  Year 4 1M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 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 2 Years Fixed

3.4%2 Year Average

$2,299.342 Year Average

$26,268.95

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.40%
  
  $2299.337/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.40%
  
  $2299.337/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.63%
  
  $2535.301/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.63%
  
  $2535.301/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after 12 months - Waiver of Full Redemption Penalty due to Sale of Property 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

OCBC 2 Years Fixed

3.605%2 Year Average

$2,341.482 Year Average

$27,873.77

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.10%
  
  $2238.468/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.11%
  
  $2437.702/mth
  
  Year 2 3M SORA + 0.480%
- Year 3
  
  4.13%
  
  $2441.563/mth
  
  Year 3 3M SORA + 0.500%
- Year 4
  
  4.63%
  
  $2534.494/mth
  
  Year 4 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

RHB 2 Years Fixed

3.615%2 Year Average

$2,343.552 Year Average

$27,952.10

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.00%
  
  $2218.39/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.23%
  
  $2461.037/mth
  
  Year 2 3M SORA + 0.600%
- Year 3
  
  4.28%
  
  $2470.75/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.63%
  
  $2536.05/mth
  
  Year 4 3M SORA + 1.000%

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

DBS 3 Years Fixed

3.75%2 Year Average

$2,371.552 Year Average

$29,010.13

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.75%
  
  $2371.553/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.75%
  
  $2371.553/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.75%
  
  $2371.553/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.63%
  
  $2533.727/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period - Waiver of Full Redemption Penalty due to Sale of Property 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

UOB 2 Year Fixed

3.75%2 Year Average

$2,371.552 Year Average

$29,010.13

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.75%
  
  $2371.553/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.75%
  
  $2371.553/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.63%
  
  $2542.188/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.63%
  
  $2542.188/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- One time free conversion after lock in period

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Hong Leong Finance 1 Year Fixed

3.98%2 Year Average

$2,419.712 Year Average

$30,814.66

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.68%
  
  $2357.007/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.28%
  
  $2477.804/mth
  
  Year 2 Board Rate
- Year 3
  
  4.35%
  
  $2491.478/mth
  
  Year 3 Board Rate
- Year 4
  
  4.35%
  
  $2491.478/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

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS FHR6 2 Years Lock FD-Linked Plan

4%2 Year Average

$2,423.922 Year Average

$30,971.70

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.00%
  
  $2423.921/mth
  
  Year 1 FHR6 + 1.10%
- Year 2
  
  4.00%
  
  $2423.921/mth
  
  Year 2 FHR6 + 1.10%
- Year 3
  
  4.00%
  
  $2423.921/mth
  
  Year 3 FHR6 + 1.10%
- Year 4
  
  4.00%
  
  $2423.921/mth
  
  Year 4 FHR6 + 1.10%

Features

Subsidy Comment	- Min loan size S$500,000 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 2 Years Fixed

4%2 Year Average

$2,423.922 Year Average

$30,971.70

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.00%
  
  $2423.921/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.00%
  
  $2423.921/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.66%
  
  $2552.95/mth
  
  Year 3 1M SORA + 1.000%
- Year 4
  
  4.66%
  
  $2552.95/mth
  
  Year 4 1M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 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

Citibank 2 Years Fixed

4%2 Year Average

$2,423.922 Year Average

$30,971.70

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.00%
  
  $2423.921/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.00%
  
  $2423.921/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.63%
  
  $2547.003/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.63%
  
  $2547.003/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

CIMB 3M SORA 2 Years Lock Plan

4.08%2 Year Average

$2,440.822 Year Average

$31,600.01

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.08%
  
  $2440.816/mth
  
  Year 1 3M SORA + 0.450%
- Year 2
  
  4.08%
  
  $2440.816/mth
  
  Year 2 3M SORA + 0.450%
- Year 3
  
  4.08%
  
  $2440.816/mth
  
  Year 3 3M SORA + 0.450%
- Year 4
  
  4.63%
  
  $2543.285/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

Bank of China 3M SORA 2 Years Lock Plan

4.13%2 Year Average

$2,451.412 Year Average

$31,992.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.13%
  
  $2451.409/mth
  
  Year 1 3M SORA + 0.50%
- Year 2
  
  4.13%
  
  $2451.409/mth
  
  Year 2 3M SORA + 0.50%
- Year 3
  
  4.18%
  
  $2461.117/mth
  
  Year 3 3M SORA + 0.55%
- Year 4
  
  4.63%
  
  $2540.852/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

CIMB 3M SORA 2 Years Lock Plan

4.13%2 Year Average

$2,451.412 Year Average

$31,992.86

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.13%
  
  $2451.409/mth
  
  Year 1 3M SORA + 0.500%
- Year 2
  
  4.13%
  
  $2451.409/mth
  
  Year 2 3M SORA + 0.500%
- Year 3
  
  4.13%
  
  $2451.409/mth
  
  Year 3 3M SORA + 0.500%
- Year 4
  
  4.63%
  
  $2544.715/mth
  
  Year 4 3M SORA + 1.000%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 3M SORA 2 Years Lock Plan

4.18%2 Year Average

$2,462.032 Year Average

$32,385.82

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.18%
  
  $2462.028/mth
  
  Year 1 3M SORA + 0.55%
- Year 2
  
  4.18%
  
  $2462.028/mth
  
  Year 2 3M SORA + 0.55%
- Year 3
  
  4.73%
  
  $2570.297/mth
  
  Year 3 3M SORA + 1.10%
- Year 4
  
  4.73%
  
  $2570.297/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

4.18%2 Year Average

$2,462.032 Year Average

$32,385.82

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.18%
  
  $2462.028/mth
  
  Year 1 3M SORA + 0.550%
- Year 2
  
  4.18%
  
  $2462.028/mth
  
  Year 2 3M SORA + 0.550%
- Year 3
  
  4.23%
  
  $2471.762/mth
  
  Year 3 3M SORA + 0.600%
- Year 4
  
  4.23%
  
  $2471.762/mth
  
  Year 4 3M SORA + 0.600%

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

DBS 3M SORA 2 Years Lock Plan

4.23%2 Year Average

$2,472.672 Year Average

$32,778.90

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.23%
  
  $2472.673/mth
  
  Year 1 3M SORA + 0.600%
- Year 2
  
  4.23%
  
  $2472.673/mth
  
  Year 2 3M SORA + 0.600%
- Year 3
  
  4.28%
  
  $2482.432/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.63%
  
  $2544.668/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

SCB 3M SORA 2 Years Lock Plan

4.23%2 Year Average

$2,472.672 Year Average

$32,778.90

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.23%
  
  $2472.673/mth
  
  Year 1 3M SORA + 0.60%
- Year 2
  
  4.23%
  
  $2472.673/mth
  
  Year 2 3M SORA + 0.60%
- Year 3
  
  4.28%
  
  $2482.432/mth
  
  Year 3 3M SORA + 0.65%
- Year 4
  
  4.28%
  
  $2482.432/mth
  
  Year 4 3M SORA + 0.65%

Features

Subsidy Comment	- Free Conversion after 12months - 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

SCB Fixed 2 Years Fixed

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.25%
  
  $2476.938/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.63%
  
  $2551.731/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.63%
  
  $2551.731/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 2 Years - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3M SORA 2 Years Lock Plan

4.28%2 Year Average

$2,483.342 Year Average

$33,172.09

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.28%
  
  $2483.343/mth
  
  Year 1 3M SORA + 0.65%
- Year 2
  
  4.28%
  
  $2483.343/mth
  
  Year 2 3M SORA + 0.65%
- Year 3
  
  4.43%
  
  $2512.762/mth
  
  Year 3 3M SORA + 0.80%
- Year 4
  
  4.63%
  
  $2548.488/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

4.28%2 Year Average

$2,483.342 Year Average

$33,172.09

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.28%
  
  $2483.343/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  4.28%
  
  $2483.343/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  4.28%
  
  $2483.343/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.63%
  
  $2548.976/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

Citibank 3M SORA 2 Years Lock Plan

4.28%2 Year Average

$2,483.342 Year Average

$33,172.09

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.28%
  
  $2483.343/mth
  
  Year 1 3M SORA + 0.65%
- Year 2
  
  4.28%
  
  $2483.343/mth
  
  Year 2 3M SORA + 0.65%
- Year 3
  
  4.38%
  
  $2502.934/mth
  
  Year 3 3M SORA + 0.75%
- Year 4
  
  4.63%
  
  $2547.529/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

Citibank 2 Years Fixed

4.315%2 Year Average

$2,490.832 Year Average

$33,447.38

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.38%
  
  $2503.583/mth
  
  Year 2 3M SORA + 0.75%
- Year 3
  
  4.48%
  
  $2523.266/mth
  
  Year 3 3M SORA + 0.85%
- Year 4
  
  4.63%
  
  $2551.543/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

Maybank 3M SORA 1 Year Lock Plan

4.33%2 Year Average

$2,494.042 Year Average

$33,565.38

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.33%
  
  $2494.039/mth
  
  Year 1 3M SORA + 0.70%
- Year 2
  
  4.33%
  
  $2494.039/mth
  
  Year 2 3M SORA + 0.70%
- Year 3
  
  4.33%
  
  $2494.039/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.63%
  
  $2550.387/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

Hong Leong Finance Board 2 Years Lock In Period

4.35%2 Year Average

$2,498.322 Year Average

$33,722.74

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.35%
  
  $2498.325/mth
  
  Year 1 Board Rate
- Year 2
  
  4.35%
  
  $2498.325/mth
  
  Year 2 Board Rate
- Year 3
  
  4.35%
  
  $2498.325/mth
  
  Year 3 Board Rate
- Year 4
  
  4.35%
  
  $2498.325/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

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock Plan

4.38%2 Year Average

$2,504.762 Year Average

$33,958.79

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.38%
  
  $2504.761/mth
  
  Year 1 3M SORA + 0.75%
- Year 2
  
  4.38%
  
  $2504.761/mth
  
  Year 2 3M SORA + 0.75%
- Year 3
  
  4.38%
  
  $2504.761/mth
  
  Year 3 3M SORA + 0.75%
- Year 4
  
  4.63%
  
  $2551.793/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

HSBC 3M SORA 2 Years Lock Plan

4.38%2 Year Average

$2,504.762 Year Average

$33,958.79

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.38%
  
  $2504.761/mth
  
  Year 1 3M SORA + 0.750%
- Year 2
  
  4.38%
  
  $2504.761/mth
  
  Year 2 3M SORA + 0.750%
- Year 3
  
  4.48%
  
  $2524.454/mth
  
  Year 3 3M SORA + 0.850%
- Year 4
  
  4.63%
  
  $2551.305/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

HSBC 1M SORA 2 Years Lock Plan

4.41%2 Year Average

$2,511.212 Year Average

$34,194.88

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.41%
  
  $2511.206/mth
  
  Year 1 1M SORA + 0.750%
- Year 2
  
  4.41%
  
  $2511.206/mth
  
  Year 2 1M SORA + 0.750%
- Year 3
  
  4.51%
  
  $2530.929/mth
  
  Year 3 1M SORA + 0.850%
- Year 4
  
  4.66%
  
  $2557.825/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

Maybank 1M SORA 1 Year Lock Plan

4.46%2 Year Average

$2,521.972 Year Average

$34,588.47

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.46%
  
  $2521.969/mth
  
  Year 1 1M SORA + 0.800%
- Year 2
  
  4.46%
  
  $2521.969/mth
  
  Year 2 1M SORA + 0.800%
- Year 3
  
  5.41%
  
  $2713.304/mth
  
  Year 3 1M SORA + 1.750%
- Year 4
  
  5.41%
  
  $2713.304/mth
  
  Year 4 1M SORA + 1.750%

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

Citibank 3M SORA 2 Years Lock Plan

4.58%2 Year Average

$2,547.902 Year Average

$35,533.51

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.58%
  
  $2547.903/mth
  
  Year 1 3M SORA + 0.95%
- Year 2
  
  4.58%
  
  $2547.903/mth
  
  Year 2 3M SORA + 0.95%
- Year 3
  
  4.58%
  
  $2547.903/mth
  
  Year 3 3M SORA + 0.95%
- Year 4
  
  4.63%
  
  $2557.37/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

UOB 3M SORA 2 Year Lock Plan

4.63%2 Year Average

$2,558.752 Year Average

$35,927.46

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.63%
  
  $2558.753/mth
  
  Year 1 3M SORA + 1.00%
- Year 2
  
  4.63%
  
  $2558.753/mth
  
  Year 2 3M SORA + 1.00%
- Year 3
  
  4.63%
  
  $2558.753/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.63%
  
  $2558.753/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

SCB 3M SORA 2 Years Lock Plan

4.63%2 Year Average

$2,558.752 Year Average

$35,927.46

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.63%
  
  $2558.753/mth
  
  Year 1 3M SORA + 1.000%
- Year 2
  
  4.63%
  
  $2558.753/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  4.63%
  
  $2558.753/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.63%
  
  $2558.753/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 12months - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500 - Min Loan for SCB Priority Client: $500k

Details

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