Compare HDB Home Loan Rates
View the best available rates for HDB flats across different loan amounts and rate types. All rates shown are from major Singapore banks for HDB properties.
| Loan Amount | Floating Rate | 2-Year Fixed | 3-Year Fixed |
|---|---|---|---|
| $500K | 1.69% | 1.80% | 1.80% |
| $1M | 1.61% | 1.68% | 1.68% |
| $2M | 1.60% | 1.65% | 1.65% |
Rates last updated: Wednesday, 10 September 2025 • Updated every 5 minutes
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Rates for HDB resale & BTO properties
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Rates for private properties & condos
View Condo Rates →Understanding HDB Home Loan Rates in Singapore
Financing your HDB flat involves unique considerations that don't apply to private properties. From CPF usage to ethnic integration policies, here's what you need to know about HDB mortgage rates.
HDB Loan vs Bank Loan: Which is Better?
You have two main options for financing your HDB flat: an HDB concessionary loan at 2.6% or a bank loan with market rates. While HDB loans offer stability, bank loans often provide lower initial rates and more flexibility. Consider your long-term financial plans when choosing.
Floating Rate Mortgages for HDB
Floating rates for HDB properties are typically pegged to SORA or bank-specific benchmarks. These packages often start with the lowest rates, making them attractive for HDB buyers who expect rates to remain stable or decline. Perfect for BTO buyers with longer planning horizons.
2-Year Fixed Rate Mortgages
A 2-year fixed rate gives you short-term certainty during the initial years of homeownership. This is particularly valuable for first-time HDB buyers who want predictable payments while settling into their new home. After two years, you can reassess market conditions.
3-Year Fixed Rate Mortgages
A 3-year fixed rate provides longer-term stability, ideal for families who prioritize budgeting certainty. While rates may be slightly higher initially, you gain protection against rising interest rates during the crucial early years of your mortgage.
CPF Usage and HDB Financing
- Use your CPF Ordinary Account for down payment and monthly installments
- CPF usage reduces your cash outlay but affects retirement savings
- Consider the CPF accrued interest you'll need to repay upon sale
- Balance between CPF usage and cash payments based on your retirement planning
BTO vs Resale HDB Financing
BTO (Build-To-Order): Only floating rate bank loan packages are available for BTO flats. Fixed rate packages are not offered for BTO purchases, so buyers can only choose from floating options until the flat is completed.
Resale HDB: Both floating and fixed rate bank loan packages are available for resale HDB flats. This gives buyers more flexibility to choose between rate stability and potential cost savings, depending on their financial preferences.
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