Mortgage Calculator
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The default rate below (1.23% + 0.65% = 1.88%) uses the real, latest published 3-month compounded SORA (1.23%, as of 2026-09-24) plus an illustrative bank spread — most floating-rate mortgage packages in Singapore are pegged to this same reference rate. Change either number, or the rate itself, to match a package you're actually looking at.
| Rate scenario | Monthly instalment | Total interest | Total repayment |
|---|
The +1% and +2% rows show what your instalment would look like if the rate rose — a common way to stress-test your own budget before committing, since rates can and do change over a 20-30 year loan.
This shows the instalment for your inputs, not whether it fits your bank's TDSR/MSR eligibility limits — use the Affordability Calculator for that.