Rates page

Compare Home Loan Rates Singapore

Latest mortgage rates from 16 banks for HDB, private property and refinancing.

Last updated: March 2026

Use this page to move from rate browsing to a clearer shortlist, then validate fit with package mechanics, calculators, and consultation.

Percent operates under FindAHomeLoan Pte Ltd (established 2014), with mortgage advisory coverage across Singapore purchases and refinancing cases.

Rates are shown as a planning snapshot and reviewed against package mechanics (lock-in, clawback, repricing, and notice terms).

Updated March 2026

Current Mortgage Rates Table

Current package ranges across HDB and private-property scenarios to make shortlisting faster.

Why pay 2.6%? Compare real bank packages and see monthly savings.See Your Bank Savings

Market rates verified March 2026SORA: 1.0528% as of 2 March 2026 • Source

Local

★ Popular

1.45%

$250k • Fixed 2 Years

Save ~$144/mth vs HDB 2.6%

Local

★ Popular

1.40%

$400k • Fixed 2 Years

Save ~$231/mth vs HDB 2.6%

Local

★ Popular

1.55%

$400k • Fixed 3 Years

Save ~$205/mth vs HDB 2.6%

Transparency note: some brokers show lower-looking rates with bundled purchase conditions. We market genuine deviated rates.

Rates vary depending on loan size, property type and borrower profile. Bank subsidy plays a part in selecting the right mortgage.

Fixed Rate vs SORA Packages

Fixed packages provide short-term payment certainty, while SORA packages can start lower but move with the benchmark. The better fit depends on your refinance horizon, risk tolerance, and how much payment volatility you can accept.

Read Guide

Example Monthly Payments

Loan: S$600,000
Tenure: 25 years

Rate	Monthly Payment
1.4%	S$2,351
1.8%	S$2,486
2.6%	S$2,723

Small rate differences can significantly change monthly repayments.

Mortgage Calculators

TDSR Calculator

Check your borrowing limit.

Open TDSR calculator

MSR Calculator

For HDB loan eligibility.

Open MSR calculator

Stamp Duty Calculator

Estimate purchase costs.

Open stamp duty calculator

Why Rates Differ

Loan Size

Different packages apply depending on loan amount.

Property Type

HDB and private property loans are priced differently.

Borrower Profile

Income stability affects bank risk assessment.

When Should You Lock In Rates?

If your loan is S$700,000, a 0.3% rate difference can mean approximately S$2,000 per year savings.

That is why borrowers should compare not just the rate itself, but when it is worth fixing versus staying on a floating structure.

Illustrative annual difference

~S$2,000/yr

Based on the example above. Actual savings depend on tenure, outstanding balance, package clauses, and refinancing cost.

Free Consultation

Compare Mortgage Packages Across 16 Banks

We can shortlist suitable packages by property type, loan quantum, and expected holding period so you can move beyond headline-rate browsing.

Get Free Mortgage Advice WhatsApp Percent

FAQ

What is the best home loan rate in Singapore?

The best rate depends on your property type, loan size, and how long you plan to hold the package. A lower headline rate is not always the best outcome once lock-in, clawback, and fee structure are included.

How do I compare mortgage packages?

Start with comparable scenarios, then review lock-in period, repricing path, notice terms, and total projected cost over your holding horizon. Package mechanics often matter more than first-year marketing rates.

When should I refinance my home loan?

Refinancing is commonly reviewed before lock-in expiry or when your effective rate drifts above available alternatives. The decision should include legal costs, clawback exposure, and expected savings after all switching costs.