Residential Loan - Refinancing - Property Loan Interest Rate Singapore

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

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Bank of China 3 Years Fixed

2.45%2 Year Average

$2,109.882 Year Average

$18,860.25

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.45%
  
  $2109.882/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.45%
  
  $2109.882/mth
  
  Year 2 Fixed Rate
- Year 3
  
  2.45%
  
  $2109.882/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.50%
  
  $2470.097/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

Bank of China 2 Years Fixed

2.5%2 Year Average

$2,119.612 Year Average

$19,248.97

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.50%
  
  $2119.612/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.50%
  
  $2119.612/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.30%
  
  $2452.675/mth
  
  Year 3 3M SORA + 0.800%
- Year 4
  
  4.50%
  
  $2487.684/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

DBS 3 Years Fixed

2.8%2 Year Average

$2,178.562 Year Average

$21,584.18

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.80%
  
  $2178.557/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.80%
  
  $2178.557/mth
  
  Year 2 Fixed Rate
- Year 3
  
  2.80%
  
  $2178.557/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.50%
  
  $2480.985/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period - Waiver of Full Redemption Penalty due to Sale of Property 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

SCB Fixed 2 Years Fixed

2.8%2 Year Average

$2,178.562 Year Average

$21,584.18

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.80%
  
  $2178.557/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.80%
  
  $2178.557/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.05%
  
  $2410.723/mth
  
  Year 3 3M SORA + 0.550%
- Year 4
  
  4.10%
  
  $2419.364/mth
  
  Year 4 3M SORA + 0.600%

Features

Subsidy Comment	- Free Conversion after 2 Years - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

DBS 2 Years Fixed

2.88%2 Year Average

$2,194.442 Year Average

$22,207.73

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.88%
  
  $2194.439/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.88%
  
  $2194.439/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.50%
  
  $2499.298/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.50%
  
  $2499.298/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period - Waiver of Full Redemption Penalty due to Sale of Property 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

DBS 2 Years Fixed

2.9%2 Year Average

$2,198.422 Year Average

$22,363.67

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.90%
  
  $2198.42/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.90%
  
  $2198.42/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.50%
  
  $2499.707/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.50%
  
  $2499.707/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after 12 months - Waiver of Full Redemption Penalty due to Sale of Property 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

DBS 3 Years Fixed

2.9%2 Year Average

$2,198.422 Year Average

$22,363.67

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.90%
  
  $2198.42/mth
  
  Year 1 Fixed Rate
- Year 2
  
  2.90%
  
  $2198.42/mth
  
  Year 2 Fixed Rate
- Year 3
  
  2.90%
  
  $2198.42/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.50%
  
  $2484.054/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period - Waiver of Full Redemption Penalty due to Sale of Property 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

SCB Fixed 2 Years Fixed

3%2 Year Average

$2,218.392 Year Average

$23,143.69

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.00%
  
  $2218.39/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.00%
  
  $2218.39/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.15%
  
  $2433.862/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.20%
  
  $2442.559/mth
  
  Year 4 3M SORA + 0.700%

Features

Subsidy Comment	- Free Conversion after 2 Years - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

OCBC 3 Years Fixed

3%2 Year Average

$2,218.392 Year Average

$23,143.69

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.00%
  
  $2218.39/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.00%
  
  $2218.39/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.00%
  
  $2218.39/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.50%
  
  $2487.104/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$300,000 - 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

HSBC 2 Years Fixed

3%2 Year Average

$2,218.392 Year Average

$23,143.69

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.00%
  
  $2218.39/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.00%
  
  $2218.39/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.45%
  
  $2491.979/mth
  
  Year 3 1M SORA + 1.000%
- Year 4
  
  4.45%
  
  $2491.979/mth
  
  Year 4 1M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 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

OCBC 2 Years Fixed

3.05%2 Year Average

$2,228.422 Year Average

$23,533.90

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.05%
  
  $2228.416/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.05%
  
  $2228.416/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.25%
  
  $2454.139/mth
  
  Year 3 3M SORA + 0.750%
- Year 4
  
  4.50%
  
  $2498.037/mth
  
  Year 3 3M SORA + 1.000%

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

Hong Leong Finance 2 Years Fixed

3.08%2 Year Average

$2,234.442 Year Average

$23,768.09

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.08%
  
  $2234.444/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.08%
  
  $2234.444/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.35%
  
  $2474.118/mth
  
  Year 3 Board Rate
- Year 4
  
  4.35%
  
  $2474.118/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

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 2 Years Fixed

3.1%2 Year Average

$2,238.472 Year Average

$23,924.24

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.15%
  
  $2248.546/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.05%
  
  $2229.306/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.20%
  
  $2445.459/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.50%
  
  $2500.942/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size $800,000 - Free Conversion after 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

CIMB 2 Years Fixed

3.2%2 Year Average

$2,258.652 Year Average

$24,705.30

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.30%
  
  $2278.941/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.10%
  
  $2240.243/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.20%
  
  $2447.406/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.50%
  
  $2502.934/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size $800,000 - Free Conversion after 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 2 Years Fixed

3.25%2 Year Average

$2,268.782 Year Average

$25,096.03

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.25%
  
  $2268.783/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.25%
  
  $2268.783/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.50%
  
  $2506.765/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.50%
  
  $2506.765/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 - Free Conversion after Lock-In Period - Waiver of Full Redemption Penalty due to Sale of Property 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

Maybank 2 Years Fixed

3.3%2 Year Average

$2,278.942 Year Average

$25,486.88

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.30%
  
  $2278.941/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.30%
  
  $2278.941/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.45%
  
  $2497.974/mth
  
  Year 3 1M SORA + 1.00%
- Year 4
  
  4.45%
  
  $2497.974/mth
  
  Year 4 1M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 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 3 Years Fixed

3.4%2 Year Average

$2,299.342 Year Average

$26,268.95

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.40%
  
  $2299.337/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.40%
  
  $2299.337/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.40%
  
  $2299.337/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.45%
  
  $2489.827/mth
  
  Year 4 1M SORA + 1.00%

Features

Subsidy Comment	- Min loan size S$100,000 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 2 Years Fixed

3.45%2 Year Average

$2,309.572 Year Average

$26,660.19

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.00%
  
  $2218.39/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.90%
  
  $2394.507/mth
  
  Year 2 3M SORA + 0.400%
- Year 3
  
  4.00%
  
  $2413.642/mth
  
  Year 3 3M SORA + 0.500%
- Year 4
  
  4.50%
  
  $2505.899/mth
  
  Year 4 3M SORA + 1.000%

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 2 Years Fixed

3.5%2 Year Average

$2,319.842 Year Average

$27,051.53

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  2.90%
  
  $2198.42/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.10%
  
  $2433.72/mth
  
  Year 2 3M SORA + 0.600%
- Year 3
  
  4.15%
  
  $2443.368/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.50%
  
  $2508.217/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

SCB Fixed 2 Years Fixed

3.5%2 Year Average

$2,319.842 Year Average

$27,051.53

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.50%
  
  $2319.839/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.50%
  
  $2319.839/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.50%
  
  $2511.703/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.50%
  
  $2511.703/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 2 Years - Valuation Subsidy for Refinancing - $500k: $350 - $1m: $500

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

SCB Fixed 3 Years Fixed

3.5%2 Year Average

$2,319.842 Year Average

$27,051.53

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.50%
  
  $2319.839/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.50%
  
  $2319.839/mth
  
  Year 2 Fixed Rate
- Year 3
  
  3.50%
  
  $2319.839/mth
  
  Year 3 Fixed Rate
- Year 4
  
  4.50%
  
  $2502.073/mth
  
  Year 4 3M SORA + 1.000%

Features

Subsidy Comment	- Free Conversion after 3 years - 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 2 Year Fixed

3.75%2 Year Average

$2,371.552 Year Average

$29,010.13

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.75%
  
  $2371.553/mth
  
  Year 1 Fixed Rate
- Year 2
  
  3.75%
  
  $2371.553/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.50%
  
  $2516.555/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.50%
  
  $2516.555/mth
  
  Year 4 3M SORA + 1.00%

Features

Subsidy Comment	- One time free conversion after lock in period

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 3M SORA 2 Years Lock Plan

3.95%2 Year Average

$2,413.402 Year Average

$30,579.15

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.95%
  
  $2413.396/mth
  
  Year 1 3M SORA + 0.450%
- Year 2
  
  3.95%
  
  $2413.396/mth
  
  Year 2 3M SORA + 0.450%
- Year 3
  
  3.95%
  
  $2413.396/mth
  
  Year 3 3M SORA + 0.450%
- Year 4
  
  4.50%
  
  $2515.143/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

Hong Leong Finance 1 Year Fixed

3.98%2 Year Average

$2,419.712 Year Average

$30,814.66

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  3.68%
  
  $2357.007/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.28%
  
  $2477.804/mth
  
  Year 2 Board Rate
- Year 3
  
  4.35%
  
  $2491.478/mth
  
  Year 3 Board Rate
- Year 4
  
  4.35%
  
  $2491.478/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

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

CIMB 3M SORA 2 Years Lock Plan

4%2 Year Average

$2,423.922 Year Average

$30,971.70

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.00%
  
  $2423.921/mth
  
  Year 1 3M SORA + 0.500%
- Year 2
  
  4.00%
  
  $2423.921/mth
  
  Year 2 3M SORA + 0.500%
- Year 3
  
  4.00%
  
  $2423.921/mth
  
  Year 3 3M SORA + 0.500%
- Year 4
  
  4.50%
  
  $2516.572/mth
  
  Year 4 3M SORA + 1.000%

Features

Details

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Citibank 2 Years Fixed

4%2 Year Average

$2,423.922 Year Average

$30,971.70

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.00%
  
  $2423.921/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.00%
  
  $2423.921/mth
  
  Year 2 Fixed Rate
- Year 3
  
  4.50%
  
  $2521.322/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.50%
  
  $2521.322/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

Bank of China 3M SORA 2 Years Lock Plan

4%2 Year Average

$2,423.922 Year Average

$30,971.70

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.00%
  
  $2423.921/mth
  
  Year 1 3M SORA + 0.50%
- Year 2
  
  4.00%
  
  $2423.921/mth
  
  Year 2 3M SORA + 0.50%
- Year 3
  
  4.10%
  
  $2443.226/mth
  
  Year 3 3M SORA + 0.60%
- Year 4
  
  4.50%
  
  $2513.686/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

DBS FHR6 2 Years Lock FD-Linked Plan

4%2 Year Average

$2,423.922 Year Average

$30,971.70

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.00%
  
  $2423.921/mth
  
  Year 1 FHR6 + 1.10%
- Year 2
  
  4.00%
  
  $2423.921/mth
  
  Year 2 FHR6 + 1.10%
- Year 3
  
  4.00%
  
  $2423.921/mth
  
  Year 3 FHR6 + 1.10%
- Year 4
  
  4.00%
  
  $2423.921/mth
  
  Year 4 FHR6 + 1.10%

Features

Subsidy Comment	- Min loan size S$500,000 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

4.05%2 Year Average

$2,434.472 Year Average

$31,364.37

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.05%
  
  $2434.473/mth
  
  Year 1 3M SORA + 0.55%
- Year 2
  
  4.05%
  
  $2434.473/mth
  
  Year 2 3M SORA + 0.55%
- Year 3
  
  4.60%
  
  $2542.014/mth
  
  Year 3 3M SORA + 1.10%
- Year 4
  
  4.60%
  
  $2542.014/mth
  
  Year 4 3M SORA + 1.10%

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

DBS 3M SORA 2 Years Lock Plan

4.1%2 Year Average

$2,445.052 Year Average

$31,757.14

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.10%
  
  $2445.05/mth
  
  Year 1 3M SORA + 0.600%
- Year 2
  
  4.10%
  
  $2445.05/mth
  
  Year 2 3M SORA + 0.600%
- Year 3
  
  4.15%
  
  $2454.743/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.50%
  
  $2516.528/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

SCB 3M SORA 2 Years Lock Plan

4.1%2 Year Average

$2,445.052 Year Average

$31,757.14

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.10%
  
  $2445.05/mth
  
  Year 1 3M SORA + 0.60%
- Year 2
  
  4.10%
  
  $2445.05/mth
  
  Year 2 3M SORA + 0.60%
- Year 3
  
  4.15%
  
  $2454.743/mth
  
  Year 3 3M SORA + 0.65%
- Year 4
  
  4.15%
  
  $2454.743/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

HSBC 1M SORA 2 Years Lock Plan

4.1%2 Year Average

$2,445.052 Year Average

$31,757.14

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.10%
  
  $2445.05/mth
  
  Year 1 1M SORA + 0.650%
- Year 2
  
  4.10%
  
  $2445.05/mth
  
  Year 2 1M SORA + 0.650%
- Year 3
  
  4.10%
  
  $2445.05/mth
  
  Year 3 1M SORA + 0.650%
- Year 4
  
  4.45%
  
  $2510.049/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

HSBC 3M SORA 2 Years Lock Plan

4.15%2 Year Average

$2,455.652 Year Average

$32,150.04

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.15%
  
  $2455.654/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  4.15%
  
  $2455.654/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  4.15%
  
  $2455.654/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.50%
  
  $2520.829/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

OCBC 3M SORA 2 Years Lock Plan

4.15%2 Year Average

$2,455.652 Year Average

$32,150.04

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.15%
  
  $2455.654/mth
  
  Year 1 3M SORA + 0.65%
- Year 2
  
  4.15%
  
  $2455.654/mth
  
  Year 2 3M SORA + 0.65%
- Year 3
  
  4.30%
  
  $2484.874/mth
  
  Year 3 3M SORA + 0.80%
- Year 4
  
  4.50%
  
  $2520.342/mth
  
  Year 4 3M SORA + 1.00%

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

Citibank 3M SORA 2 Years Lock Plan

4.15%2 Year Average

$2,455.652 Year Average

$32,150.04

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.15%
  
  $2455.654/mth
  
  Year 1 3M SORA + 0.65%
- Year 2
  
  4.15%
  
  $2455.654/mth
  
  Year 2 3M SORA + 0.65%
- Year 3
  
  4.25%
  
  $2475.112/mth
  
  Year 3 3M SORA + 0.75%
- Year 4
  
  4.50%
  
  $2519.385/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

DBS 3M SORA 2 Years Lock Plan

4.17%2 Year Average

$2,459.902 Year Average

$32,307.23

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.17%
  
  $2459.902/mth
  
  Year 1 3M SORA + 0.650%
- Year 2
  
  4.17%
  
  $2459.902/mth
  
  Year 2 3M SORA + 0.650%
- Year 3
  
  4.17%
  
  $2459.902/mth
  
  Year 3 3M SORA + 0.650%
- Year 4
  
  4.50%
  
  $2521.393/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

Maybank 3M SORA 1 Year Lock Plan

4.2%2 Year Average

$2,466.282 Year Average

$32,543.04

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.20%
  
  $2466.283/mth
  
  Year 1 3M SORA + 0.70%
- Year 2
  
  4.20%
  
  $2466.283/mth
  
  Year 2 3M SORA + 0.70%
- Year 3
  
  4.20%
  
  $2466.283/mth
  
  Year 3 3M SORA + 0.70%
- Year 4
  
  4.50%
  
  $2522.239/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

Maybank 1M SORA 1 Year Lock Plan

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 1M SORA + 0.800%
- Year 2
  
  4.25%
  
  $2476.938/mth
  
  Year 2 1M SORA + 0.800%
- Year 3
  
  5.20%
  
  $2666.263/mth
  
  Year 3 1M SORA + 1.750%
- Year 4
  
  5.20%
  
  $2666.263/mth
  
  Year 4 1M SORA + 1.750%

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

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 3M SORA + 0.75%
- Year 2
  
  4.25%
  
  $2476.938/mth
  
  Year 2 3M SORA + 0.75%
- Year 3
  
  4.25%
  
  $2476.938/mth
  
  Year 3 3M SORA + 0.75%
- Year 4
  
  4.50%
  
  $2523.644/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 2 Years Fixed

4.25%2 Year Average

$2,476.942 Year Average

$32,936.16

Fixed

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.25%
  
  $2476.938/mth
  
  Year 1 Fixed Rate
- Year 2
  
  4.25%
  
  $2476.938/mth
  
  Year 2 3M SORA + 0.75%
- Year 3
  
  4.35%
  
  $2496.498/mth
  
  Year 3 3M SORA + 0.85%
- Year 4
  
  4.50%
  
  $2523.156/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

Hong Leong Finance Board 2 Years Lock In Period

4.35%2 Year Average

$2,498.322 Year Average

$33,722.74

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.35%
  
  $2498.325/mth
  
  Year 1 Board Rate
- Year 2
  
  4.35%
  
  $2498.325/mth
  
  Year 2 Board Rate
- Year 3
  
  4.35%
  
  $2498.325/mth
  
  Year 3 Board Rate
- Year 4
  
  4.35%
  
  $2498.325/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

Bank
Interest
Monthly Repayment
Avg 2 Years Interest Payable
Type

Citibank 3M SORA 2 Years Lock Plan

4.45%2 Year Average

$2,519.812 Year Average

$34,509.75

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.45%
  
  $2519.814/mth
  
  Year 1 3M SORA + 0.95%
- Year 2
  
  4.45%
  
  $2519.814/mth
  
  Year 2 3M SORA + 0.95%
- Year 3
  
  4.45%
  
  $2519.814/mth
  
  Year 3 3M SORA + 0.95%
- Year 4
  
  4.50%
  
  $2529.216/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

UOB 3M SORA 2 Year Lock Plan

4.5%2 Year Average

$2,530.602 Year Average

$34,903.41

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.50%
  
  $2530.598/mth
  
  Year 1 3M SORA + 1.00%
- Year 2
  
  4.50%
  
  $2530.598/mth
  
  Year 2 3M SORA + 1.00%
- Year 3
  
  4.50%
  
  $2530.598/mth
  
  Year 3 3M SORA + 1.00%
- Year 4
  
  4.50%
  
  $2530.598/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

SCB 3M SORA 2 Years Lock Plan

4.5%2 Year Average

$2,530.602 Year Average

$34,903.41

Floating

Rates & Payments

Year

Interest Rate

Monthly Payment

Remark
- Year 1
  
  4.50%
  
  $2530.598/mth
  
  Year 1 3M SORA + 1.000%
- Year 2
  
  4.50%
  
  $2530.598/mth
  
  Year 2 3M SORA + 1.000%
- Year 3
  
  4.50%
  
  $2530.598/mth
  
  Year 3 3M SORA + 1.000%
- Year 4
  
  4.50%
  
  $2530.598/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

Residential Loan – Refinancing

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