Citibank Home Loan for Purchase of Private Property
Citibank Home Loan for Refinancing of Private Property
Citibank Home Loan for Purchase of HDB Flat
Citibank Home Loan for Refinancing of HDB Flat
Do note that the rates below are indicative. For the best home loans specific to you, please contact us or use the Finko home loan comparison.
Home Loan for Purchase of Private Property  

Minimum mortgage of $100,000  
Year 1  Board 1.40% 
Year 2  Board 1.40% 
Year 3  Board 1.50% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 1.43% 
Year 2  Board 1.43% 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.53% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.96% 
Year 2  Board 0.96% 
Year 3  Board 1.23% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.93% 
Year 2  Board 0.93% 
Year 3  Board 1.20% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.96% 
Year 2  Board 0.96% 
Year 3  Board 1.30% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.99% 
Year 2  Board 0.99% 
Year 3  Board 1.33% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 1.25% 
Year 2  SIBOR + 1.25% 
Year 3  SIBOR + 1.25% 
Thereafter  SIBOR + 1.25% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.85% 
Year 2  SIBOR + 0.85% 
Year 3  SIBOR + 0.90% 
Thereafter  SIBOR + 1.10% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.80% 
Year 2  SIBOR + 0.80% 
Year 3  SIBOR + 0.85% 
Thereafter  SIBOR + 1.00% 
Lockin period   
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  1.30% (Fixed) 
Year 2  1.30% (Fixed) 
Year 3  1.30% (Fixed) 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Year 1  1.50% (Fixed) 
Year 2  1.50% (Fixed) 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Year 1  1.15% (Fixed) 
Year 2  1.15% (Fixed) 
Year 3  Board 1.22% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Year 1  1.20% (Fixed) 
Year 2  1.20% (Fixed) 
Year 3  Board 1.32% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Year 1  1.60% (Fixed) 
Year 2  1.60% (Fixed) 
Year 3  1.60% (Fixed) 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Year 1  1.25% (Fixed) 
Year 2  1.25% (Fixed) 
Year 3  1.25% (Fixed) 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Minimum mortgage of $800,000  
Year 1  Board 1.02% 
Year 2  Board 1.02% 
Year 3  Board 1.53% 
Thereafter  1M Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.91% 
Year 2  Board 0.91% 
Year 3  Board 1.23% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 1.35% 
Year 2  Board 1.35% 
Year 3  Board 1.45% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.88% 
Year 2  Board 0.88% 
Year 3  Board 1.20% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 1.38% 
Year 2  Board 1.38% 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.53% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.93% 
Year 2  Board 0.93% 
Year 3  Board 1.30% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.96% 
Year 2  Board 0.96% 
Year 3  Board 1.33% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 1.15% 
Year 2  SIBOR + 1.15% 
Year 3  SIBOR + 1.15% 
Thereafter  SIBOR + 1.25% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.80% 
Year 2  SIBOR + 0.80% 
Year 3  SIBOR + 0.85% 
Thereafter  SIBOR + 1.10% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.75% 
Year 2  SIBOR + 0.75% 
Year 3  SIBOR + 0.80% 
Thereafter  SIBOR + 1.00% 
Lockin period   
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  1.25% (Fixed) 
Year 2  1.25% (Fixed) 
Year 3  1.25% (Fixed) 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Year 1  1.15% (Fixed) 
Year 2  1.15% (Fixed) 
Year 3  Board 1.32% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Year 1  1.13% (Fixed) 
Year 2  1.13% (Fixed) 
Year 3  Board 1.22% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Year 1  1.50% (Fixed) 
Year 2  1.50% (Fixed) 
Year 3  1.50% (Fixed) 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Year 1  1.20% (Fixed) 
Year 2  1.20% (Fixed) 
Year 3  1.20% (Fixed) 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Year 1  1.45% (Fixed) 
Year 2  1.45% (Fixed) 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Minimum mortgage of $1,200,000  
Year 1  1.15% (Fixed) 
Year 2  1.15% (Fixed) 
Year 3  1.15% (Fixed) 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Minimum mortgage of $1,600,000  
Year 1  1.12% (Fixed) 
Year 2  1.12% (Fixed) 
Year 3  Board 1.32% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Year 1  1.18% (Fixed) 
Year 2  1.18% (Fixed) 
Year 3  1.18% (Fixed) 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Year 1  1.10% (Fixed) 
Year 2  1.10% (Fixed) 
Year 3  Board 1.22% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Home Loan for Refinancing of Private Property  

Minimum mortgage of $100,000  
Year 1  Board 0.96% 
Year 2  Board 0.96% 
Year 3  Board 1.30% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 1.35% 
Year 2  Board 1.35% 
Year 3  Board 1.45% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 1.40% 
Year 2  Board 1.40% 
Year 3  Board 1.50% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.96% 
Year 2  Board 0.96% 
Year 3  Board 1.23% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.99% 
Year 2  Board 0.99% 
Year 3  Board 1.33% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.88% 
Year 2  Board 0.88% 
Year 3  Board 1.20% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 1.43% 
Year 2  Board 1.43% 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.53% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.93% 
Year 2  Board 0.93% 
Year 3  Board 1.20% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 1.25% 
Year 2  SIBOR + 1.25% 
Year 3  SIBOR + 1.25% 
Thereafter  SIBOR + 1.25% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.85% 
Year 2  SIBOR + 0.85% 
Year 3  SIBOR + 0.90% 
Thereafter  SIBOR + 1.10% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.80% 
Year 2  SIBOR + 0.80% 
Year 3  SIBOR + 0.85% 
Thereafter  SIBOR + 1.00% 
Lockin period   
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
Interest Offset Limit: 50% 
Year 1  1.50% (Fixed) 
Year 2  1.50% (Fixed) 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.20% (Fixed) 
Year 2  1.20% (Fixed) 
Year 3  Board 1.32% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.60% (Fixed) 
Year 2  1.60% (Fixed) 
Year 3  1.60% (Fixed) 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.30% (Fixed) 
Year 2  1.30% (Fixed) 
Year 3  1.30% (Fixed) 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.15% (Fixed) 
Year 2  1.15% (Fixed) 
Year 3  Board 1.22% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 

Year 1  1.25% (Fixed) 
Year 2  1.25% (Fixed) 
Year 3  1.25% (Fixed) 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 

Minimum mortgage of $800,000  
Year 1  Board 1.38% 
Year 2  Board 1.38% 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.53% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.96% 
Year 2  Board 0.96% 
Year 3  Board 1.33% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.91% 
Year 2  Board 0.91% 
Year 3  Board 1.23% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.93% 
Year 2  Board 0.93% 
Year 3  Board 1.30% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 1.15% 
Year 2  SIBOR + 1.15% 
Year 3  SIBOR + 1.15% 
Thereafter  SIBOR + 1.25% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.75% 
Year 2  SIBOR + 0.75% 
Year 3  SIBOR + 0.80% 
Thereafter  SIBOR + 1.00% 
Lockin period   
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.80% 
Year 2  SIBOR + 0.80% 
Year 3  SIBOR + 0.85% 
Thereafter  SIBOR + 1.10% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  1.50% (Fixed) 
Year 2  1.50% (Fixed) 
Year 3  1.50% (Fixed) 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.45% (Fixed) 
Year 2  1.45% (Fixed) 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.20% (Fixed) 
Year 2  1.20% (Fixed) 
Year 3  1.20% (Fixed) 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 

Year 1  1.15% (Fixed) 
Year 2  1.15% (Fixed) 
Year 3  Board 1.32% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.25% (Fixed) 
Year 2  1.25% (Fixed) 
Year 3  1.25% (Fixed) 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.13% (Fixed) 
Year 2  1.13% (Fixed) 
Year 3  Board 1.22% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 

Minimum mortgage of $1,200,000  
Year 1  1.15% (Fixed) 
Year 2  1.15% (Fixed) 
Year 3  1.15% (Fixed) 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 

Minimum mortgage of $1,600,000  
Year 1  1.12% (Fixed) 
Year 2  1.12% (Fixed) 
Year 3  Board 1.32% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.18% (Fixed) 
Year 2  1.18% (Fixed) 
Year 3  1.18% (Fixed) 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.10% (Fixed) 
Year 2  1.10% (Fixed) 
Year 3  Board 1.22% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 

Home Loan for Purchase of HDB Flat  

Minimum mortgage of $100,000  
Year 1  Board 1.40% 
Year 2  Board 1.40% 
Year 3  Board 1.50% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 1.43% 
Year 2  Board 1.43% 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.53% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.96% 
Year 2  Board 0.96% 
Year 3  Board 1.23% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.93% 
Year 2  Board 0.93% 
Year 3  Board 1.20% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.96% 
Year 2  Board 0.96% 
Year 3  Board 1.30% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.99% 
Year 2  Board 0.99% 
Year 3  Board 1.33% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 1.25% 
Year 2  SIBOR + 1.25% 
Year 3  SIBOR + 1.25% 
Thereafter  SIBOR + 1.25% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.85% 
Year 2  SIBOR + 0.85% 
Year 3  SIBOR + 0.90% 
Thereafter  SIBOR + 1.10% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.80% 
Year 2  SIBOR + 0.80% 
Year 3  SIBOR + 0.85% 
Thereafter  SIBOR + 1.00% 
Lockin period   
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  1.30% (Fixed) 
Year 2  1.30% (Fixed) 
Year 3  1.30% (Fixed) 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Year 1  1.50% (Fixed) 
Year 2  1.50% (Fixed) 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Year 1  1.15% (Fixed) 
Year 2  1.15% (Fixed) 
Year 3  Board 1.22% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Year 1  1.20% (Fixed) 
Year 2  1.20% (Fixed) 
Year 3  Board 1.32% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Year 1  1.60% (Fixed) 
Year 2  1.60% (Fixed) 
Year 3  1.60% (Fixed) 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Year 1  1.25% (Fixed) 
Year 2  1.25% (Fixed) 
Year 3  1.25% (Fixed) 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Minimum mortgage of $800,000  
Year 1  Board 1.02% 
Year 2  Board 1.02% 
Year 3  Board 1.53% 
Thereafter  1M Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.91% 
Year 2  Board 0.91% 
Year 3  Board 1.23% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 1.35% 
Year 2  Board 1.35% 
Year 3  Board 1.45% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.88% 
Year 2  Board 0.88% 
Year 3  Board 1.20% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 1.38% 
Year 2  Board 1.38% 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.53% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.93% 
Year 2  Board 0.93% 
Year 3  Board 1.30% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.96% 
Year 2  Board 0.96% 
Year 3  Board 1.33% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 1.15% 
Year 2  SIBOR + 1.15% 
Year 3  SIBOR + 1.15% 
Thereafter  SIBOR + 1.25% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.80% 
Year 2  SIBOR + 0.80% 
Year 3  SIBOR + 0.85% 
Thereafter  SIBOR + 1.10% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.75% 
Year 2  SIBOR + 0.75% 
Year 3  SIBOR + 0.80% 
Thereafter  SIBOR + 1.00% 
Lockin period   
Subsidy / Incentive   
Remarks 
Interest Offset Limit: 50% 
Year 1  1.25% (Fixed) 
Year 2  1.25% (Fixed) 
Year 3  1.25% (Fixed) 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Year 1  1.15% (Fixed) 
Year 2  1.15% (Fixed) 
Year 3  Board 1.32% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Year 1  1.13% (Fixed) 
Year 2  1.13% (Fixed) 
Year 3  Board 1.22% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Year 1  1.50% (Fixed) 
Year 2  1.50% (Fixed) 
Year 3  1.50% (Fixed) 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Year 1  1.20% (Fixed) 
Year 2  1.20% (Fixed) 
Year 3  1.20% (Fixed) 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Year 1  1.45% (Fixed) 
Year 2  1.45% (Fixed) 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Minimum mortgage of $1,200,000  
Year 1  1.15% (Fixed) 
Year 2  1.15% (Fixed) 
Year 3  1.15% (Fixed) 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Minimum mortgage of $1,600,000  
Year 1  1.12% (Fixed) 
Year 2  1.12% (Fixed) 
Year 3  Board 1.32% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Year 1  1.18% (Fixed) 
Year 2  1.18% (Fixed) 
Year 3  1.18% (Fixed) 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  3 years 
Subsidy / Incentive   
Remarks 

Year 1  1.10% (Fixed) 
Year 2  1.10% (Fixed) 
Year 3  Board 1.22% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  2 years 
Subsidy / Incentive   
Remarks 

Home Loan for Refinancing of HDB Flat  

Minimum mortgage of $100,000  
Year 1  Board 0.96% 
Year 2  Board 0.96% 
Year 3  Board 1.30% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 1.35% 
Year 2  Board 1.35% 
Year 3  Board 1.45% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 1.40% 
Year 2  Board 1.40% 
Year 3  Board 1.50% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.96% 
Year 2  Board 0.96% 
Year 3  Board 1.23% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.99% 
Year 2  Board 0.99% 
Year 3  Board 1.33% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.88% 
Year 2  Board 0.88% 
Year 3  Board 1.20% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 1.43% 
Year 2  Board 1.43% 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.53% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.93% 
Year 2  Board 0.93% 
Year 3  Board 1.20% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 1.25% 
Year 2  SIBOR + 1.25% 
Year 3  SIBOR + 1.25% 
Thereafter  SIBOR + 1.25% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.85% 
Year 2  SIBOR + 0.85% 
Year 3  SIBOR + 0.90% 
Thereafter  SIBOR + 1.10% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.80% 
Year 2  SIBOR + 0.80% 
Year 3  SIBOR + 0.85% 
Thereafter  SIBOR + 1.00% 
Lockin period   
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
Interest Offset Limit: 50% 
Year 1  1.50% (Fixed) 
Year 2  1.50% (Fixed) 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.20% (Fixed) 
Year 2  1.20% (Fixed) 
Year 3  Board 1.32% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.60% (Fixed) 
Year 2  1.60% (Fixed) 
Year 3  1.60% (Fixed) 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.30% (Fixed) 
Year 2  1.30% (Fixed) 
Year 3  1.30% (Fixed) 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.15% (Fixed) 
Year 2  1.15% (Fixed) 
Year 3  Board 1.22% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 

Year 1  1.25% (Fixed) 
Year 2  1.25% (Fixed) 
Year 3  1.25% (Fixed) 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 

Minimum mortgage of $800,000  
Year 1  Board 1.38% 
Year 2  Board 1.38% 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.53% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.96% 
Year 2  Board 0.96% 
Year 3  Board 1.33% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.91% 
Year 2  Board 0.91% 
Year 3  Board 1.23% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period   
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
Interest Offset Limit: 50% 
Year 1  Board 0.93% 
Year 2  Board 0.93% 
Year 3  Board 1.30% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 1.15% 
Year 2  SIBOR + 1.15% 
Year 3  SIBOR + 1.15% 
Thereafter  SIBOR + 1.25% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.75% 
Year 2  SIBOR + 0.75% 
Year 3  SIBOR + 0.80% 
Thereafter  SIBOR + 1.00% 
Lockin period   
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
Interest Offset Limit: 50% 
Year 1  SIBOR + 0.80% 
Year 2  SIBOR + 0.80% 
Year 3  SIBOR + 0.85% 
Thereafter  SIBOR + 1.10% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 
Interest Offset Limit: 50% 
Year 1  1.50% (Fixed) 
Year 2  1.50% (Fixed) 
Year 3  1.50% (Fixed) 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.45% (Fixed) 
Year 2  1.45% (Fixed) 
Year 3  Board 1.53% 
Thereafter  1M CMPD Sora + 1.40% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.20% (Fixed) 
Year 2  1.20% (Fixed) 
Year 3  1.20% (Fixed) 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 

Year 1  1.15% (Fixed) 
Year 2  1.15% (Fixed) 
Year 3  Board 1.32% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.25% (Fixed) 
Year 2  1.25% (Fixed) 
Year 3  1.25% (Fixed) 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.13% (Fixed) 
Year 2  1.13% (Fixed) 
Year 3  Board 1.22% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 

Minimum mortgage of $1,200,000  
Year 1  1.15% (Fixed) 
Year 2  1.15% (Fixed) 
Year 3  1.15% (Fixed) 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 

Minimum mortgage of $1,600,000  
Year 1  1.12% (Fixed) 
Year 2  1.12% (Fixed) 
Year 3  Board 1.32% 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.18% (Fixed) 
Year 2  1.18% (Fixed) 
Year 3  1.18% (Fixed) 
Thereafter  1M CMPD Sora + 1.20% 
Lockin period  3 years 
Subsidy / Incentive  0.2% (max $2,500) 
Remarks 

Year 1  1.10% (Fixed) 
Year 2  1.10% (Fixed) 
Year 3  Board 1.22% 
Thereafter  1M CMPD Sora + 1.10% 
Lockin period  2 years 
Subsidy / Incentive  0.2% (max $5,000) 
Remarks 
