Available Home Loan Packages as of February 2026

Fixed interest rates

2 year lock-in

(Minimum loan amount requirement applies)
Year 1: 1.47% Fixed
Year 2: 3M SORA + 0.35%
Year 3: 3M SORA + 0.40%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
- Waiver of penalty due to sale after 12 months
- No penalty for partial repayment after 12 months
Cash rebate for refinancing only
Private loan amount above 500K - $2,300
Private loan amount above 1.0M - $3,000
Private loan amount above 1.5M - $3,400
HDB loan amount above 250K - $2,000
HDB loan amount above 300K - $2,100

Fixed interest rates

3 year lock-in

(Minimum loan amount requirement applies)
Year 1: 1.48% Fixed
Year 2: 1.48% Fixed
Year 3: 1.48% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
- Up to 10% partial repayment is allowed per year during lock in
- 50% waiver due to sales and refund another 50% if client takes the same or higher loan amount within 6 months
Cash rebate for refinancing only
Private Loan amount above 450K - $2,000
Private Loan amount above 1.0M - $2,500
HDB loan amount above 300K - $2,000

Floating interest rates

2 year lock-in

(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.30%
Year 2: 3M SORA + 0.35%
Year 3: 3M SORA + 0.40%
Thereafter: 3M SORA + 1.00%
- One free conversion after 6 months
Subsidy is applicable to both purchase and refinancing
- Legal subsidy 0.30% of loan amount, capped at $2,000
- Valuation subsidy $500 for loan amount above 800K

Floating interest rates

2 year lock-in

(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.30%
Year 2: 3M SORA + 0.30%
Year 3: 3M SORA + 0.45%
Year 4: 3M SORA + 0.60%
Thereafter: 3M SORA + 0.75%
- One free conversion after 12 months
- Waiver of penalty due to sale
Cash rebate for refinancing only
Private loan amount above 500K - $2,300
Private loan amount above 1.0M - $3,000
Private loan amount above 1.5M - $3,400
HDB loan amount above 250K - $2,000
HDB loan amount above 300K - $2,100