Cast the first vote in 1 tap — pick #1 HSBC Singapore Premier Preferential 2-Year Fixed / SORA Home Loan or #2 DBS 2-Year Fixed & 3M SORA / FHR6 Home Loan to reveal the live split:
With MAS 3M Compounded SORA down near 1.31% p.a. in November 2026, compare Singapore's 10 best HDB and private property home loans—benchmarking 1.54%–1.78% fixed packages, 1M/3M SORA spreads, refinancing cash subsidies up to S$3,500,…
MortgageOne interest offset, and HDB's 2.60% concessionary loan.
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Starting order. Vote up or down to reorder this list.
| Metric | #1HSBC Singapore Premier Preferential 2-Year Fixed / SORA Home Loan | #2DBS 2-Year Fixed & 3M SORA / FHR6 Home Loan | #3OCBC 2-Year Fixed & 3M Compounded SORA Home Loan | #4UOB 2-Year Fixed & 1M/3M SORA Home Loan | #5POSB / DBS HDB 3-Year Fixed Home Loan (1.78% p.a.) | #6Maybank 3M Compounded SORA & 2-Year Fixed Home Loan | #7Standard Chartered MortgageOne 3M SORA Interest-Offset Loan | #8Citibank Home Saver 2-Year Fixed & 1M SORA Package | #9DBS Private BUC & Executive Condo (EC) Progressive 3M SORA Loan | #10HDB Concessionary Housing Loan (CPF OA + 0.10%) |
|---|---|---|---|---|---|---|---|---|---|---|
| Lender: HSBC Singapore · Package Structure: | 2-Year Fixed / 1M SORA · Year 1 Effective Rate: 1.54% p.a. · Benchmark / SORA: 1M Compounded SORA (1.36%) · Lock-In P… | — | — | — | — | — | — | — | — | — |
| Lender: DBS Bank Singapore · Package Structure: | — | 2-Year Fixed / 3M SORA / FHR6 · Year 1 Effective Rate: 1.55% p.a. · Benchmark / SORA: 3M Compounded SORA (1.31%) · Lo… | — | — | — | — | — | — | — | — |
| Lender: OCBC Bank Singapore · Package Structure: | — | — | 2-Year Fixed / 3M SORA · Year 1 Effective Rate: 1.55% p.a. · Benchmark / SORA: 3M Compounded SORA (1.31%) · Lock-In P… | — | — | — | — | — | — | — |
| Lender: United Overseas Bank (UOB) · Package Structure: | — | — | — | 2-Year Fixed / 1M SORA · Year 1 Effective Rate: 1.55% p.a. · Benchmark / SORA: 3M Compounded SORA (1.31%) · Lock-In P… | — | — | — | — | — | — |
| Lender: POSB Bank Singapore · Package Structure: | — | — | — | — | 3-Year HDB Fixed · Year 1 Effective Rate: 1.78% p.a. · Benchmark / SORA: Fixed vs HDB 2.60% · Lock-In Period: 3 years… | — | — | — | — | — |
Data extracted from item descriptions. Verify rates with the issuing institution.
HSBC Singapore Premier Preferential 2-Year Fixed / SORA Home Loan from HSBC Singapore prices from 1.54% p.a. (2-Year Fixed / 1M SORA, benchmarked against 1M Compounded SORA (1.36%)) with a 2-year lock-in and Up to S$2,800–S$3,500 legal/valuation subsidy on refinancing.
Pros
Cons
DBS 2-Year Fixed & 3M SORA / FHR6 Home Loan from DBS Bank Singapore prices from 1.55% p.a. (2-Year Fixed / 3M SORA / FHR6, benchmarked against 3M Compounded SORA (1.31%)) with a 2-year lock-in and Up to S$2,000–S$2,800 cash rebate for refinancing >=S$500k.
Pros
Cons
OCBC 2-Year Fixed & 3M Compounded SORA Home Loan from OCBC Bank Singapore prices from 1.55% p.a. (2-Year Fixed / 3M SORA, benchmarked against 3M Compounded SORA (1.31%)) with a 2-year lock-in and Up to S$2,500 refinancing cash subsidy.
Pros
Cons
UOB 2-Year Fixed & 1M/3M SORA Home Loan from United Overseas Bank (UOB) prices from 1.55% p.a. (2-Year Fixed / 1M SORA, benchmarked against 3M Compounded SORA (1.31%)) with a 2-year lock-in and Up to S$2,000–S$2,800 legal & valuation cash rebate.
Pros
Cons
POSB / DBS HDB 3-Year Fixed Home Loan (1.78% p.a.) from POSB Bank Singapore prices from 1.78% p.a. (3-Year HDB Fixed, benchmarked against Fixed vs HDB 2.60%) with a 3-year lock-in and S$1,800–S$2,000 cash rebate for HDB refinancing >=S$250k.
Pros
Cons
Maybank 3M Compounded SORA & 2-Year Fixed Home Loan from Maybank Singapore prices from 1.62% p.a. (3M Compounded SORA / Fixed, benchmarked against 3M Compounded SORA (1.31%)) with a 2-year lock-in and Up to S$2,500 refinancing legal subsidy.
Pros
Standard Chartered MortgageOne 3M SORA Interest-Offset Loan from Standard Chartered Bank Singapore prices from 1.96% p.a. (3M SORA + Deposit Offset, benchmarked against 3M Compounded SORA (1.31%)) with a 2-year lock-in and Up to S$2,800 Priority Banking refinancing rebate.
Pros
Cons
Citibank Home Saver 2-Year Fixed & 1M SORA Package from Citibank Singapore prices from 1.75% p.a. (2-Year Fixed / 1M SORA, benchmarked against 1M Compounded SORA (1.36%)) with a 2-year lock-in and Up to S$3,000 Citigold refinancing subsidy.
Pros
Cons
DBS Private BUC & Executive Condo (EC) Progressive 3M SORA Loan from DBS Bank Singapore prices from 1.81% p.a. (No-Lock-In 3M SORA (BUC), benchmarked against 3M Compounded SORA (1.31%)) with a 0-year lock-in and Free conversion at TOP (Temporary Occupation Permit).
Pros
Cons
HDB Concessionary Housing Loan (CPF OA + 0.10%) from Housing & Development Board (HDB) prices from 2.60% p.a. (Concessionary Pegged (CPF OA + 0.1%), benchmarked against CPF OA (2.50%) + 0.10%) with a 0-year lock-in and Zero early repayment or refinancing penalty at any time.
Pros
Cons
HSBC contender · Community Ranked #1
DBS contender · Community Ranked #2
OCBC 2-Year contender · Community Ranked #3
UOB 2-Year contender · Community Ranked #4
DBS contender · Community Ranked #5
Illustrative estimates based on published card, policy, or checkup plan tiers; verify current provider terms before applying. Rankings are driven by primary research and community votes—never commission.
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