Available Home Loan Packages as of December 2025
3-Month SORA (Citigold)
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.55%
Year 2: 3M SORA + 0.58%
Year 3: 3M SORA + 0.60%
Thereafter: 3M SORA + 0.85%
- 50% interest offset account
- Pegged to 3M SORA with monthly refresh
Legal subsidy for refinancing only
- 0.40% of loan amount, capped at $2,500
3 Year Fixed Flexi
Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.78% Fixed
Year 2: 1.78% Fixed
Year 3: 1.78% Fixed
Thereafter: 1M SORA + 1.00%
- One free conversion after 12 months
Cash rebate for refinancing only
0.4% of loan amount, capped at $2,500
3 Year Fixed
Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.85% Fixed
Year 2: 1.85% Fixed
Year 3: 1.85% Fixed
Thereafter: 3.50% Board Rate
- No valuation fee
- Commitment fee 0.02% of the loan amount, subject to min $200
Cash rebate for refinancing only
Loan amount above 250K - $2,000
2 Year Fixed
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.85% Fixed
Year 2: 1.85% Fixed
Thereafter: 3.50% Board Rate
- No valuation fee
- Commitment fee 0.02% of the loan amount, subject to min $200
Cash rebate for refinancing only
Loan amount above 250K - $2,000
