Important: This tracker is not a live bank quotation system. Rates, spreads,
legal subsidies, lock-in terms and approval criteria may change. Always verify the latest
terms directly with the bank, mortgage provider or qualified adviser.
1M Compounded SORA
1.0243%
Editable benchmark for 1M SORA-linked packages.
3M Compounded SORA
1.0298%
Common benchmark for floating home loans.
6M Compounded SORA
1.0909%
Useful for broader rate direction tracking.
Planning Reminder
Rate ≠ Cost
Check lock-in, clawback, repricing and flexibility.
Mortgage Scenario Inputs
Enter your loan amount and any tenure. The calculator will estimate monthly repayment for each displayed package.
Displayed Packages
6
Lowest Calculated Rate
Calculating…
Lowest Estimated Monthly
Calculating…
UOB
3M Compounded SORA Promotional Package
Floating
Bank-published
Displayed Rate
3M SORA + 0.70%
Calculated from editable 3M SORA input.
Estimated Monthly
Calculating…
Based on your loan scenario.
Lock-in2 years
Rate RefreshEvery 3 months
Stress ScenarioCalculating…
Use CasePrivate / HDB, purchase or refinance
- Useful for borrowers who accept SORA movement in exchange for a lower starting spread.
- Actual package availability depends on bank approval and current promotion terms.
Maybank
3M Compounded SORA — Completed Residential
Floating
Bank-published
Displayed Rate
3M SORA + 0.70%
Calculated from editable 3M SORA input.
Estimated Monthly
Calculating…
Based on your loan scenario.
Lock-in2 years
Rate RefreshEvery 3 months
Stress ScenarioCalculating…
Use CaseCompleted residential property
- Indicative SORA-linked structure for completed residential properties.
- Check legal subsidy, repricing and clawback terms before deciding.
Maybank
1M Compounded SORA — Completed Residential
Floating
Bank-published
Displayed Rate
1M SORA + 0.80%
Calculated from editable 1M SORA input.
Estimated Monthly
Calculating…
Based on your loan scenario.
Lock-in2 years
Rate RefreshEvery 1 month
Stress ScenarioCalculating…
Use CaseCompleted residential property
- More responsive to short-term SORA movements.
- Monthly reset may move faster in both directions.
Maybank
2-Year Fixed Rate — Completed Residential
Fixed
Bank-published
Displayed Rate
3.30%
Fixed-rate reference.
Estimated Monthly
Calculating…
Based on your loan scenario.
Lock-in2 years
Rate RefreshFixed during fixed period
Stress ScenarioCalculating…
Use CasePayment certainty
- Useful for borrowers who prefer short-term repayment certainty.
- Check what the package converts to after the fixed period.
HDB
HDB Concessionary Housing Loan Benchmark
Benchmark
Government reference
Displayed Rate
2.60%
For eligible HDB buyers only.
Estimated Monthly
Calculating…
Based on your loan scenario.
Lock-inNo bank-style lock-in
Rate RefreshReviewed periodically
Stress ScenarioCalculating…
Use CaseEligible HDB buyers
- Useful benchmark against bank packages.
- May offer stability, but eligibility and loan amount rules apply.
Market Comparison
Broker / Market Reference
Market reference
Verify externally
Displayed Rate
External comparison
Use as a market reference only.
Estimated Monthly
Not calculated
Depends on matched bank package.
Lock-inDepends on package
Rate RefreshDepends on source update
Stress ScenarioNot calculated
Use CaseCross-checking market range
- Useful for checking broad market direction.
- Do not treat broker-observed rates as guaranteed bank offers.
How to Read This Tracker
- Lowest headline rate may not be the lowest total cost.
- Floating SORA packages may rise or fall depending on market conditions.
- Fixed packages provide repayment certainty during the fixed period.
- Holding power matters more than chasing a promotional number.
Next Step
Use this tracker together with affordability, TDSR, MSR, CPF usage and holding-power checks.
A lower rate may still be unsuitable if the borrower has weak cashflow buffer or future income uncertainty.
This page is for general information and educational planning only. It does not constitute financial advice,
credit advice, investment advice, a loan recommendation, or an offer of any financial product. Mortgage packages,
spreads, lock-in terms, legal subsidies, clawback conditions, approval criteria and promotional rates may change
without notice. Always verify the latest terms directly with the bank, mortgage provider, or qualified adviser.
