Grow with the Right Loan
Planning for a home — whether it’s your first or your next — can feel overwhelming. Large financial commitments naturally come with uncertainty, and wanting clarity before making a decision is completely normal.
A mortgage loan is more than just an interest rate. The right loan structure influences your monthly cash flow, long-term savings, flexibility for future refinancing, and how comfortably you manage life’s changes.
Paying less interest is just as important as growing wealth.

Every dollar saved in interest is a dollar preserved in your net worth. Over time, reducing unnecessary interest costs can have the same financial impact as earning higher returns — because wealth is built not only by what you gain, but also by what you keep.
Choosing wisely means understanding how different loan packages affect total interest costs, lock-in periods, repayment flexibility, and long-term financial goals. The right structure can help you:
- Manage monthly instalments with greater confidence
- Reduce overall interest expenses over time
- Maintain flexibility for future property plans
- Strengthen financial stability
When financing aligns with your long-term objectives, property ownership becomes strategic rather than stressful.
Because the right mortgage isn’t simply about securing a loan — it’s about protecting your wealth while building it.
HDB
Private
BUC
Commercial
Industrial
HDB
SORA Package Comparison (as at 25/05/26)
| Bank | SORA Type | 1st Year | 2nd Year |
|---|---|---|---|
| HSBC | 1-Month | 1.35% (1M SORA + 0.20%) | 1.35% (1M SORA + 0.20%) |
| UOB | 3-Month | 1.42% (3M SORA + 0.35%) | 1.42% (3M SORA + 0.35%) |
| DBS | 3-Month | 1.92% (3M SORA + 0.85%) | 1.92% (3M SORA + 0.85%) |
| OCBC | 3-Month | 1.37% (3M SORA + 0.30%) | 1.37% (3M SORA + 0.30%) |
| Standard Chartered | 3-Month | 1.42% (3M SORA + 0.35%) | 1.42% (3M SORA + 0.35%) |
| Maybank | 3-Month | 1.37% (3M SORA + 0.30%) | 1.37% (3M SORA + 0.30%) |
| Citi | 3-Month | 1.75% (3M SORA + 0.68%) | 1.75% (3M SORA + 0.68%) |
Fixed Rate Package Comparison
| Bank | 1st Year | 2nd Year |
|---|---|---|
| HSBC | 1.50% | 1.50% |
| Maybank | 1.65% | 1.65% |
| DBS | 1.50% | 1.50% |
| OCBC | 1.60% | 1.60% |
| UOB | 1.60% | 1.60% |
| Hong Leong Bank | 1.65% | 1.65% |
Private
SORA Package Comparison (as at 25/05/26)
| Bank | SORA Type | 1st Year | 2nd Year |
|---|---|---|---|
| HSBC | 3-Month | 1.27% (3M SORA + 0.20%) | 1.27% (3M SORA + 0.20%) |
| Maybank | 3-Month | 1.27% (3M SORA + 0.20%) | 1.27% (3M SORA + 0.20%) |
| Standard Chartered | 3-Month | 1.32% (3M SORA + 0.25%) | 1.32% (3M SORA + 0.25%) |
| DBS | 3-Month | 1.35% (3M SORA + 0.28%) | 1.37% (3M SORA + 0.30%) |
| UOB | 3-Month | 1.37% (3M SORA + 0.30%) | 1.37% (3M SORA + 0.30%) |
| Citi | 3-Month | 1.30% (3M SORA + 0.23%) | 1.30% (3M SORA + 0.23%) |
| OCBC | 3-Month | 1.35% (3M SORA + 0.28%) | 1.35% (3M SORA + 0.28%) |
Fixed Rate Package Comparison
| Bank | 1st Year | 2nd Year |
|---|---|---|
| HSBC | 1.40% | 1.40% |
| Maybank | 1.45% | 1.45% |
| Citi | 1.45% | 1.45% |
| UOB | 1.70% | 1.70% |
| DBS | 1.45% | 1.45% |
| OCBC | 1.60% | 1.60% |
| Standard Chartered | 1.60% | 1.60% |
| Hong Leong Bank | 1.95% | 1.95% |
BUC
SORA Package Comparison (as at 25/05/26)
| Bank | SORA Type | 1st Year | 2nd Year |
|---|---|---|---|
| HSBC | 1-Month | 1.27% (1M SORA + 0.20%) | 1.27% (1M SORA + 0.20%) |
| Maybank | 3-Month | 1.35% (3M SORA + 0.25%) | 1.35% (3M SORA + 0.25%) |
| UOB | 3-Month | 1.32% (3M SORA + 0.25%) | 1.32% (3M SORA + 0.25%) |
| DBS | 3-Month | 1.35% (3M SORA + 0.28%) | 1.35% (3M SORA + 0.28%) |
| OCBC | 3-Month | 1.35% (3M SORA + 0.28%) | 1.35% (3M SORA + 0.28%) |
| Citi | 3-Month | 1.42% (3M SORA + 0.35%) | 1.42% (3M SORA + 0.35%) |
| Standard Chartered | 3-Month | 1.42% (3M SORA + 0.35%) | 1.42% (3M SORA + 0.35%) |
Commercial
Commercial – SORA Package (as at 25/05/26)
| Bank | SORA Type | 1st Year | 2nd Year |
|---|---|---|---|
| DBS | 3-Month | 1.65% (3M SORA + 0.58%) | 1.65% (3M SORA + 0.58%) |
| Maybank | 1-Month | 2.15% (1M SORA + 1.00%) | 2.15% (1M SORA + 1.00%) |
| UOB | 3-Month | 2.07% (3M SORA + 1.00%) | 2.07% (3M SORA + 1.00%) |
| Standard Chartered | 3-Month | 1.75% (3M SORA + 0.68%) | 1.75% (3M SORA + 0.68%) |
Commercial – Fixed Rate Package
| Bank | 1st Year | 2nd Year |
|---|---|---|
| DBS | 1.90% | 1.90% |
| Standard Chartered | 2.00% | 2.00% |
| UOB | 2.4% | 2.4% |
| Maybank | 2.68% | 2.68% |
Industrial
Industrial – SORA Package (as at 25/05/26)
| Bank | SORA Type | 1st Year | 2nd Year |
|---|---|---|---|
| Maybank | 1-Month | 2.15% (1M SORA + 1.00%) | 2.15% (1M SORA + 1.00%) |
Industrial – Fixed Rate Package
| Bank | 1st Year | 2nd Year |
|---|---|---|
| Maybank | 2.68% | 2.68% |
Tab Content
Disclaimer:
The loan packages and interest rates shown above are for general reference only and are indicative at the time of publication. Interest rates and loan terms may change without prior notice. Actual loan packages are subject to individual bank approval and may vary depending on factors including but not limited to loan amount, loan tenure, loan-to-value (LTV), property type, borrower’s financial profile, and prevailing market conditions. This information does not constitute a loan offer, recommendation, or financial advice. Final loan terms will be confirmed directly by the respective banks upon successful loan application.
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The final decision is always yours. Compare, evaluate, and select the loan structure that matches your long-term plans and financial comfort.