Singapore Tool
Mortgage Calculator
Compare Singapore mortgage rates across 10 banks. SORA-linked floating, 3/5-year fixed, TDSR 55% stress test at 4%, LTV caps 75/45/35% by property count.
S$2,000,000
S$500,000 · 25.0%
3.15%
Max LTV: 75%
Used for TDSR 55% check at 4% stress rate
Monthly Payment
S$7,231
Loan Amount
S$1,500,000
75.0% LTV
Deposit
S$500,000
25.0% of price
Total Interest
S$669,224
Total Paid
S$2,169,224
Effective Rate
3.15%
TDSR Ratio
52.8%
Cap 55%
LTV Status
OK
Cap 75%
Rate Stress Test
If SORA rises, your SGD payment changes like this:
3.15%
S$7,231
+1pp (4.15%)
S$8,042
+S$812/mo
+2pp (5.15%)
S$8,900
+S$1,670/mo
+3pp (6.15%)
S$9,803
+S$2,572/mo
Amortisation Schedule
Principal vs interest over the life of your mortgage.
Bank Comparison — 3-Year Fixed
Monthly payments across 10 Singapore banks for your S$1,500,000 loan over 25 years.
| Bank | Rate | Monthly | Total Interest | Total Paid |
|---|---|---|---|---|
| DBS BankBest | 3.15% | S$7,231 | S$669,224 | S$2,169,224 |
| Bank of China | 3.16% | S$7,239 | S$671,588 | S$2,171,588 |
| UOB | 3.18% | S$7,254 | S$676,319 | S$2,176,319 |
| Maybank | 3.19% | S$7,262 | S$678,686 | S$2,178,686 |
| OCBC Bank | 3.20% | S$7,270 | S$681,055 | S$2,181,055 |
| CIMB | 3.21% | S$7,278 | S$683,426 | S$2,183,426 |
| HSBC | 3.22% | S$7,286 | S$685,798 | S$2,185,798 |
| RHB Bank | 3.23% | S$7,294 | S$688,172 | S$2,188,172 |
| Standard Chartered | 3.25% | S$7,310 | S$692,923 | S$2,192,923 |
| Citibank | 3.28% | S$7,334 | S$700,061 | S$2,200,061 |
Singapore Mortgage Notes
- • Rates shown are indicative Q1 2026 benchmarks. SORA assumed at 2.25%.
- • MAS LTV caps: 75% for 1st property, 45% for 2nd, 35% for 3rd or more.
- • TDSR (Total Debt Servicing Ratio) cap is 55% of gross monthly income, stressed at 4%.
- • Additional costs: mortgage stamp duty ~0.2% of loan, legal fees S$2.5k-5k, valuation S$500-1.5k.
- • Buyer status (citizen) doesn't change LTV but drives ABSD — use the ABSD calculator next.