DBS
1.58%
Loan amount: $250,000
Rates page
Compare Home Loan Rates Singapore
Compare current mortgage packages across Singapore banks to shortlist options faster.
Last updated: March 2026
Reviewed against package mechanics: lock-in, clawback, repricing, and notice terms so borrowers can move from browsing to a clearer shortlist.
Updated March 2026
Current Mortgage Rates
Why pay 2.6%? Compare real bank packages and see monthly savings.See Your Bank Savings
Market rates verified March 2026SORA: 1.1503% as of 20 March 2026 • Source
Showing rates for $500,000 loan
OCBC
1.45%
Loan amount: $500,000
UOB
1.1%
Loan amount: $500,000
Maybank
1.4%
Loan amount: $700,000
No packages shown for this loan amount. Try another loan size.
UOB
1.1%
Loan amount: $500,000
RHB
1.38%
Loan amount: $500,000
Bank of China
1.35%
Loan amount: $1,000,000
HSBC
1.30%
Loan amount: $2,000,000
No packages shown for this loan amount. Try another loan size.
Transparency note: some brokers show lower-looking rates with bundled purchase conditions. We market genuine deviated rates, subjected to approval.
Free Consultation
Need a shortlist based on your loan amount and property type?
We can shortlist suitable packages by property type, loan amount, and expected holding period.
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.
How to Compare Mortgage Packages
Check market rates
Estimate monthly payments
Compare fixed vs SORA packages
Speak to mortgage advisor
Fixed Rate
Short-term payment certainty and clearer monthly cashflow planning.
Usually suits borrowers who prefer stability over rate movement.
SORA
Can start lower, but repayments move with benchmark changes over time.
Usually suits borrowers comfortable with floating-rate movement.
Example Monthly Payments
1.45%
S$2,351 / month
1.80%
S$2,486 / month
2.60%
S$2,723 / month
1.45% saves about S$372/month vs 2.6%.
Check borrowing limits before committing: use the TDSR calculator.
Mortgage Calculators
Can I borrow enough?
TDSR borrowing check.
Open TDSR calculatorWill I pass HDB rules?
MSR HDB and EC check.
Open MSR calculatorWhat is my upfront cost?
BSD and ABSD estimate.
Open stamp duty calculatorFAQ
What is the current mortgage rate in Singapore?
Current mortgage rates in Singapore vary by bank, property type, loan size, and package terms. Borrowers should compare fixed and SORA packages before shortlisting.
Should I choose fixed or SORA rate?
Fixed rates offer short-term payment certainty, while SORA rates can start lower but move with market conditions. The better option depends on risk tolerance and holding period.
Is refinancing worth it in Singapore?
Refinancing can be worth it when expected savings exceed switching costs such as legal fees, valuation fees, and any clawback or lock-in penalties.