Smarter Loan Structuring. Lower Interest Costs. Unlock Maximum Value. Grow Your Wealth!
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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.
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:
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.
| 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%) |
| 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% |
| 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%) |
| 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% |
| 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%) |
| 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%) |
| 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% |
| Bank | SORA Type | 1st Year | 2nd Year |
|---|---|---|---|
| Maybank | 1-Month | 2.15% (1M SORA + 1.00%) | 2.15% (1M SORA + 1.00%) |
| Bank | 1st Year | 2nd Year |
|---|---|---|
| Maybank | 2.68% | 2.68% |
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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.
Speak directly with bank officers instead of going through an additional intermediary layer. Get information straight from the source and compare at your own pace.
You communicate directly with the bank representative. All terms, rates, and conditions are presented to you clearly without additional layers.
There is no packaged “one-size-fits-all” loan recommendation. You review each bank’s proposal independently and choose what fits your comfort level.
Financial evaluations, documents and loan discussions are handled directly between you and the bank, maintaining strict privacy and discretion.
Access to several reputable banks allows you to explore different rates, lock-in structures, and approval criteria before making your decision.
The final decision is always yours. Compare, evaluate, and select the loan structure that matches your long-term plans and financial comfort.
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