Residential Loan/Property Loan – New Purchase

Property Information

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Loan Application

UPDATED AS OF 14 Aug 2025

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Loan Type

Loan Amount

$400,000 % of purchase price

Purchase Price

Loan % 80%

Loan Tenure 20 years

UPDATED AS OF 14 Aug 2025

Click above for historical trend

	SIBOR	COMPOUNDED SORA
1-month	4.025	3.7698
3-month	4.05644	3.7479
6-month	NA	3.7308
12-month	NA	NA

Top Residential Rates

Residential Loan displayed below are ranked according to interest rates. You can click on the product box to view more details or modify your search criteria on the left

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Bank of China 2 Years Fixed

2%2 Year Average

$2,023.532 Year Average

$15,368.15

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.00%
  
  $2023.533/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.00%
  
  $2023.533/mth
  
  Year 2 Fixed Rate
- Year 3
  
  2.56%
  
  $2121.142/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  2.76%
  
  $2153.027/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$500,000 - One time free conversion anytime - Waiver of Full Redemption Penalty, Due to Sale of Property For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 1M SORA 2 Years Lock Plan

2.02%2 Year Average

$2,027.322 Year Average

$15,523.10

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.02%
  
  $2027.324/mth
  
  Year 1 1M SORA + 0.400%
- Year 2
  
  2.02%
  
  $2027.324/mth
  
  Year 2 1M SORA + 0.400%
- Year 3
  
  2.37%
  
  $2088.073/mth
  
  Year 3 1M SORA + 0.750%
- Year 4
  
  2.37%
  
  $2088.073/mth
  
  Year 4 1M SORA + 0.750%

Features

Subsidy Comment	- Min loan size S$300,000 - One time free conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

RHB 3M SORA 2 Years Lock Plan

2.11%2 Year Average

$2,044.442 Year Average

$16,220.69

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.11%
  
  $2044.437/mth
  
  Year 1 3M SORA + 0.350%
- Year 2
  
  2.11%
  
  $2044.437/mth
  
  Year 2 3M SORA + 0.350%
- Year 3
  
  2.76%
  
  $2158.747/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  2.76%
  
  $2158.747/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 12months - 50% Partial Payment of Orig Loan Amount Allowed, During Lock-in Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3M SORA 2 Years Lock Plan

2.14%2 Year Average

$2,050.162 Year Average

$16,453.33

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.14%
  
  $2050.161/mth
  
  Year 1 3M SORA + 0.380%
- Year 2
  
  2.14%
  
  $2050.161/mth
  
  Year 2 3M SORA + 0.380%
- Year 3
  
  2.26%
  
  $2071.017/mth
  
  Year 3 3M SORA + 0.500%
- Year 4
  
  2.51%
  
  $2110.318/mth
  
  Year 3 3M SORA + 0.750%

Features

Subsidy Comment	- Min loan size S$300,000 - One time free conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 3M SORA 2 Years Lock Plan

2.21%2 Year Average

$2,063.562 Year Average

$16,996.34

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.21%
  
  $2063.555/mth
  
  Year 1 3M SORA + 0.450%
- Year 2
  
  2.21%
  
  $2063.555/mth
  
  Year 2 3M SORA + 0.450%
- Year 3
  
  2.21%
  
  $2063.555/mth
  
  Year 3 3M SORA + 0.450%
- Year 4
  
  2.76%
  
  $2155.54/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$800,000 - Free Conversion after 6 months from disbursement For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 3M SORA 2 Years Lock Plan

2.26%2 Year Average

$2,073.162 Year Average

$17,384.38

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.26%
  
  $2073.155/mth
  
  Year 1 3M SORA + 0.500%
- Year 2
  
  2.26%
  
  $2073.155/mth
  
  Year 2 3M SORA + 0.500%
- Year 3
  
  2.26%
  
  $2073.155/mth
  
  Year 3 3M SORA + 0.500%
- Year 4
  
  2.76%
  
  $2156.933/mth
  
  Year 4 3M SORA + 1.000%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Bank of China 3M SORA 2 Years Lock Plan

2.26%2 Year Average

$2,073.162 Year Average

$17,384.38

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.26%
  
  $2073.155/mth
  
  Year 1 3M SORA + 0.50%
- Year 2
  
  2.26%
  
  $2073.155/mth
  
  Year 2 3M SORA + 0.50%
- Year 3
  
  2.36%
  
  $2090.652/mth
  
  Year 3 3M SORA + 0.60%
- Year 4
  
  2.76%
  
  $2154.164/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$500,000 - One time free conversion anytime - Waiver of Full Redemption Penalty, Due to Sale of Property For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 1M SORA 2 Years Lock Plan

2.27%2 Year Average

$2,075.082 Year Average

$17,462.01

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.27%
  
  $2075.078/mth
  
  Year 1 1M SORA + 0.650%
- Year 2
  
  2.27%
  
  $2075.078/mth
  
  Year 2 1M SORA + 0.650%
- Year 3
  
  2.27%
  
  $2075.078/mth
  
  Year 3 1M SORA + 0.650%
- Year 4
  
  2.62%
  
  $2133.546/mth
  
  Year 4 1M SORA + 1.000%

Features

Subsidy Comment	- 1 x Free Conversion Anytime - Partial Payment up to 30% of Original Loan amount during lock in - 50% Waiver of Penalty Due to Sale (Loan Less Than $800k) For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 3M SORA 2 Years Lock Plan

2.36%2 Year Average

$2,092.442 Year Average

$18,160.90

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.36%
  
  $2092.436/mth
  
  Year 1 3M SORA + 0.60%
- Year 2
  
  2.36%
  
  $2092.436/mth
  
  Year 2 3M SORA + 0.60%
- Year 3
  
  2.41%
  
  $2101.226/mth
  
  Year 3 3M SORA + 0.65%
- Year 4
  
  2.41%
  
  $2101.226/mth
  
  Year 4 3M SORA + 0.65%

Features

Subsidy Comment	- Free Conversion after 12 months - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500 - Min Loan for SCB Priority Client: $500k

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock Plan

2.41%2 Year Average

$2,102.122 Year Average

$18,549.37

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.41%
  
  $2102.117/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  2.41%
  
  $2102.117/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  2.41%
  
  $2102.117/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  2.76%
  
  $2161.088/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

HSBC 3M SORA 2 Years Lock Plan

2.41%2 Year Average

$2,102.122 Year Average

$18,549.37

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.41%
  
  $2102.117/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  2.41%
  
  $2102.117/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  2.41%
  
  $2102.117/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  2.76%
  
  $2161.088/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- 1 x Free Conversion Anytime - Partial Payment up to 30% of Original Loan amount during lock in - 50% Waiver of Penalty Due to Sale (Loan Less Than $800k) - 100% Waiver of Penalty Due to Sale (Loan More Than $800k) For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Maybank 3M SORA 2 Years Lock Plan

2.46%2 Year Average

$2,111.832 Year Average

$18,937.98

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.46%
  
  $2111.826/mth
  
  Year 1 3M SORA + 0.70%
- Year 2
  
  2.46%
  
  $2111.826/mth
  
  Year 2 3M SORA + 0.70%
- Year 3
  
  2.46%
  
  $2111.826/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  2.76%
  
  $2162.465/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock In - Partial Payment Penalty Waiver up to 50% of Loan Prepaid during Lock In For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock Plan

2.51%2 Year Average

$2,121.562 Year Average

$19,326.73

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.51%
  
  $2121.561/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  2.51%
  
  $2121.561/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  2.51%
  
  $2121.561/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  2.76%
  
  $2163.838/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 3M SORA 2 Years Lock Plan

2.51%2 Year Average

$2,121.562 Year Average

$19,326.73

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.51%
  
  $2121.561/mth
  
  Year 1 3M SORA + 0.75%
- Year 2
  
  2.51%
  
  $2121.561/mth
  
  Year 2 3M SORA + 0.75%
- Year 3
  
  2.51%
  
  $2121.561/mth
  
  Year 3 3M SORA + 0.75%
- Year 4
  
  2.76%
  
  $2163.838/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Citibank 3M SORA 2 Years Lock Plan

2.71%2 Year Average

$2,160.772 Year Average

$20,883.10

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.71%
  
  $2160.771/mth
  
  Year 1 3M SORA + 0.95%
- Year 2
  
  2.71%
  
  $2160.771/mth
  
  Year 2 3M SORA + 0.95%
- Year 3
  
  2.71%
  
  $2160.771/mth
  
  Year 3 3M SORA + 0.95%
- Year 4
  
  2.76%
  
  $2169.289/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size $100,000 - 1 x Free Conversion after 12 months For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB 3M SORA 2 Years Lock Plan

2.76%2 Year Average

$2,170.642 Year Average

$21,272.54

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.76%
  
  $2170.641/mth
  
  Year 1 3M SORA + 1.000%
- Year 2
  
  2.76%
  
  $2170.641/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  2.76%
  
  $2170.641/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  2.76%
  
  $2170.641/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 12 months - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500 - Min Loan for SCB Priority Client: $500k

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

UOB 3M SORA 2 Year Lock Plan

2.76%2 Year Average

$2,170.642 Year Average

$21,272.54

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.76%
  
  $2170.641/mth
  
  Year 1 3M SORA + 1.00%
- Year 2
  
  2.76%
  
  $2170.641/mth
  
  Year 2 3M SORA + 1.00%
- Year 3
  
  2.76%
  
  $2170.641/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  2.76%
  
  $2170.641/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - One time free conversion after lock in period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Hong Leong Finance Board 2 Years Lock In Period

3.97%2 Year Average

$2,417.602 Year Average

$30,736.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.97%
  
  $2417.603/mth
  
  Year 1 Board Rate
- Year 2
  
  3.97%
  
  $2417.603/mth
  
  Year 2 Board Rate
- Year 3
  
  4.25%
  
  $2471.792/mth
  
  Year 3 Board Rate
- Year 4
  
  4.25%
  
  $2471.792/mth
  
  Year 4 Board Rate

Features

Subsidy Comment	- Interest Commence 3 month from Date of LO or 1st Disbursement - 2 Years Clawback Period For the latest SORA rates, please refer to https://www.smart-towkay.com/home-loan/sibor-sora-trend

Details

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