Current Best Mortgage Rates in Singapore Today
The summary below shows the latest indicative mortgage and home loan interest rates in Singapore by property type and package type. Use it as a quick snapshot before comparing the detailed private property and HDB mortgage packages below.
Updated as of Oct 2026.
Private Property
View details| Private Fixed Rate | 1.75%* |
| Private Floating Rate | 0.2%* + 3M Comp SORA |
HDB Bank Loan
View details| HDB Fixed Rate | 1.75%* |
| HDB Floating Rate | 0.2%* + 3M Comp SORA |
For reference, the latest 3M compounded SORA is 1.23%. A floating-rate package shown as 0.2%* + 3M Comp SORA would therefore have an indicative rate of 0.20% plus the latest 3M SORA.
* Rates may vary depending on property type, loan amount, lock-in period, bank assessment and package availability. The figures shown are indicative and subject to final bank approval.
Compare Home Loan Rates Across Banks
LoanSaver compares home loan packages across major banks and financial institutions in Singapore such as DBS, OCBC, UOB, Maybank, HSBC, Standard Chartered, CIMB, BOC and other selected finance companies. Each bank has different rates, lock-in periods, perks, and approval criteria that change frequently.
As we work with most banks and FIs, we gain a competitive advantage - and we pass this advantage to you. Understand how LoanSaver compares home loan packages
Latest Private Property Mortgage Rates
Compare the latest private property mortgage rates in Singapore for completed properties, resale homes and new launch / BUC purchases. The tables below show indicative fixed-rate and floating-rate packages from participating banks, subject to loan amount, lock-in period, property type and bank assessment.
Best Completed Private Property Rates
These rates generally apply to completed private properties, such as resale apartments, condos, and landed homes. Compare fixed-rate packages if you prefer repayment stability, or SORA-based floating-rate packages if you want more rate flexibility. If you are buying a resale private property, read our private resale purchase process guide to understand the key financing steps, payment timeline and loan considerations before committing.
Updated as of Oct 2026.
Floating-Rate Packages
| Bank | Rate* |
|---|---|
| HSBC Popular | 0.2% + 1M/3M Comp SORA |
| Maybank Popular | 0.2% + 1M Comp SORA |
| DBS Popular | 0.25% + 3M Comp SORA |
| Promo Rate Hot |
0.2% + 1M/3M Comp SORA View Best Private Home Loans |
Fixed-Rate Packages
| Bank | Rate* |
|---|---|
| BOC Popular | 1.80% |
| HSBC Popular | 1.80% |
| UOB Popular | 1.85% |
| Promo Rate Hot |
1.75% View Best Fixed-Rate Loans |
Best New Launch / BUC Mortgage Rates
These rates generally apply to private new launch and building under construction (BUC) properties. Unlike completed properties, the loan is disbursed progressively according to each payment stage, so package availability may differ depending on the bank, project status and loan structure.
Updated as of Oct 2026.
New Launch / BUC Packages
| Bank | Rate* |
|---|---|
| HSBC Popular | 0.2% + 1M/3M Comp SORA |
| UOB Popular | 0.2% + 3M Comp SORA |
| RHB Popular | 0.35% + 1M Comp SORA |
| Promo Rate Hot |
0.2% + 1M/3M Comp SORA Contact for details |
For reference, the latest 3M compounded SORA is 1.23%. A floating-rate package shown as 0.2%* + 3M Comp SORA would therefore have an indicative rate of 0.2%* plus the latest 3M SORA.
Points to Note
- Progressive disbursement: Loan is disbursed upon completion of each progressive payment stage.
- Package type: BUC packages are often SORA-based floating packages, but selected banks may offer fixed-rate promotions or packages pegged to the bank’s board rate.
- Loan conversion: Loan conversion, if allowed, is usually after the property obtains its Temporary Occupation Permit (TOP). Check with us for availability of promos for conversion before TOP.
Planning a new launch purchase? Read our private new launch purchase process guide to understand the payment timeline and financing steps.
* Rates may vary depending on property type, loan amount, lock-in period, bank assessment, building status and package availability. The figures shown are indicative and subject to final bank approval.
** For a fuller breakdown of private home loan features, package considerations and application process, read our private property loan guide. If you are still planning your purchase journey, read our buying private property in Singapore guide.
Latest HDB Bank Loan Rates
Compare the latest HDB bank loan rates in Singapore for fixed-rate and SORA-based floating-rate packages. These indicative rates may apply differently depending on whether you are buying a BTO flat, resale flat, or refinancing an existing HDB bank loan.
Updated as of Oct 2026.
Floating-Rate Packages
| Bank | Rate* |
|---|---|
| HSBC Popular | 0.2% + 1M/3M Comp SORA |
| Maybank Popular | 0.2% + 1M Comp SORA |
| DBS Popular | 0.25% + 3M Comp SORA |
| Promo Rate Hot |
0.2% + 1M/3M Comp SORA HDB loan details |
Fixed-Rate Packages
| Bank | Rate* |
|---|---|
| UOB Popular | 1.75% |
| BOC Popular | 1.80% |
| HSBC Popular | 1.80% |
| Promo Rate Hot |
1.75% HDB loan details |
For reference, the latest 3M compounded SORA is 1.23%. A floating-rate package shown as 0.2%* + 3M Comp SORA would therefore have an indicative rate of 0.2%* plus the latest 3M SORA.
* HDB bank loan packages may differ for BTO flats, resale flats and HDB refinance cases. Rates vary depending on loan amount, lock-in period, bank assessment and package availability. The figures shown are indicative and subject to final bank approval. Eligibility, downpayment, loan disbursement and repricing options should be reviewed before committing. For package details and HDB bank loan considerations, read our HDB bank loan guide.
** HDB’s concessionary loan rate has been fixed at 2.6% since 1999. If you are deciding between an HDB loan and a bank loan, read our HDB home loan guide for the key differences before choosing.
Fixed vs Floating Mortgage Rates in Singapore
Fixed-rate and floating-rate mortgage packages work differently. A fixed-rate package gives you repayment stability for a set period, while a floating-rate package usually moves with a benchmark such as compounded SORA plus a bank spread.
Fixed-Rate Mortgage
A fixed-rate mortgage keeps your interest rate unchanged during the fixed-rate period. This can make your monthly repayment easier to plan, especially if you prefer certainty.
- Useful when you want repayment stability
- May be suitable if rates are expected to rise
- Often comes with a lock-in period
- Thereafter rate should be checked carefully
Read our fixed-rate mortgage guide for more details.
Floating-Rate Mortgage
A floating-rate mortgage may move when the benchmark rate changes. In Singapore, many floating home loan packages are priced as a bank spread plus 1M or 3M compounded SORA.
- Useful if you want potential savings when rates decline
- Monthly repayments may change over time
- Bank spread and benchmark period matter
- Free conversion terms can be important
Check the current SORA rate before comparing floating-rate packages.
Which is better? There is no single best option for every borrower. The right choice depends on your rate outlook, risk comfort, lock-in preference, loan size and whether you may sell, refinance or reprice in the next few years.
Looking for Mortgage Refinancing Rates?
If you already have an existing home loan, you may wish to find out more about mortgage refinancing rates. Also, check your current loan status: outstanding loan amount, lock-in expiry, remaining tenure, if any clawback penalty applies, and whether you are refinancing a private property or HDB flat.
For private property refinancing, read our Mortgage Refinance Singapore Guide. If you are refinancing an HDB bank loan, read our HDB Refinance Guide.