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Home & Property
Know what you can afford, what you pay upfront and which loan costs least, before you sign anything.
Start With These Three
How Much HDB Flat Can I Afford?
S$320,000
Worked example: flat budget from S$80,000 of own funds
HDB Affordability Calculator
Work Out My Number →How Much Can I Borrow For A Home?
S$454,686
Worked example: MSR borrowing cap, S$8,000 income example
TDSR & MSR Borrowing Calculator
Work Out My Number →How Much Stamp Duty Will I Pay?
S$344,600
Worked example: BSD and ABSD on a S$1.5 million home
Full Stamp Duty Calculator
Work Out My Number →
Start Here · 4 Min ReadWhere Should I Start When Buying A Home In Singapore?Read The Start Here Guide →Compare
Which Home Loan Costs Least?
Example: a S$400,000 HDB flat loan over 25 years, with 3M Compounded SORA at 1.23% and 1M at 1.29%. Interest only, excluding fees.
| Package | Years 1–3 | First Monthly Payment | Lock-In | Interest, First 3 Years |
|---|---|---|---|---|
| DBS 3-year CPF-OA-pegged HDB loanPegged to CPF OA | 1.78% for 3 years | S$1,653 | 3 years | S$20,353 |
| UOB promotional SORA HDB loanSORA + spread | 1.93% · 1.93% · 2.03% | S$1,682 | 2 years | S$22,458 |
| DBS 3-year fixed HDB loanFixed | 2.08% for 3 years | S$1,711 | 3 years | S$23,827 |
| Hong Leong Finance 2-year fixed HDB loanFixed | 1.65% · 1.65% · 3.00% | S$1,628 | Not stated | S$23,841 |
| HDB concessionary loanHDB loan · benchmark | 2.60% for 3 years | S$1,815 | None | S$29,874 |
| Maybank 3-year fixed home loanFixed | 3.75% for 3 years | S$2,057 | 3 years | S$43,354 |
How this is sorted: by interest paid in the first three years, lowest first. Paid links never change the order. The HDB loan is shown as a benchmark. 6 more lenders (CIMB, HSBC, OCBC, RHB, Singapura Finance, UOB) do not publish rates we can use, so ask them for a written quote. Rates checked 12 October 2026.
More Home Calculators
- When Are My BTO Payments Due?BTO Payment Timeline
- How Much Will Our Wedding, Reno And BTO Cost?Wedding + Reno + BTO Planner
- Should I Pay My Home Loan With CPF Or Cash?CPF Vs Cash Mortgage Payoff
- Is It Better To Rent Or Buy?Rent Vs Buy Calculator
- Can We Sell One Home And Buy Two?Sell One Buy Two Calculator
- Should My Second Property Be Here Or Overseas?Second Property: Singapore Vs Overseas
- Can I Afford To Upgrade My Home?HDB Upgrade Planner
- See All Calculators →Search every tool, comparison and guide
Home & Property Guides
Where Should I Start When Buying A Home In Singapore?
Where to start when buying a home in Singapore: write down your purchase details, then check borrowing limits, stamp duty, cash and CPF.
Home Loan Rates In October 2026: What Should You Compare?
Our October 2026 snapshot of published DBS HDB home loan packages. It compares rate types, how long you commit and costs, not just headline rates.
TDSR Vs MSR: How Much Can You Borrow On Your Salary?
See how TDSR and MSR cap your monthly home loan payment, with a worked S$8,000 income example and the bank checks this estimate leaves out.
More Home & Property Guides
- How Much Stamp Duty Will I Pay On A Home In Singapore?Guide · 4 Min Read
- Is It Better To Rent Or Buy A Home In Singapore?Guide · 4 Min Read
- Sell One Buy Two In Singapore: Is There Enough Cash For Both Homes?Guide · 4 Min Read
- Second Property In Singapore Or Overseas: Which Needs More Cash Upfront?Guide · 4 Min Read
- How Much HDB Flat Can I Afford On My Income And Savings?Guide · 4 Min Read
- How Much Should We Save For A Wedding, Renovation And BTO?Guide · 4 Min Read
- Should I Use CPF Or Cash To Pay My Mortgage?Guide · 4 Min Read
- How Much Cash Will I Have After Selling My HDB To Upgrade?Guide · 4 Min Read
- When Are BTO Payments Due, And How Much Must Be Cash?Guide · 5 Min Read
- Buying An HDB Resale Flat: What Will It Really Cost?Guide · 7 Min Read
Most Asked Questions
Which Home Calculator Should I Use First?
Start with how much HDB flat you can afford, then how much a loan could lend on your income, then the stamp duty you pay upfront.
Do The Calculators Check If I Qualify For A Flat Or Grant?
No. They estimate a budget from the numbers you enter. HDB decides who qualifies for flats, loans and grants, so check your case with HDB before you commit.
How Do You Rank The Home Loans?
By the interest paid in the first three years on the example loan, lowest first. Paid links never change the order. Banks that only quote on request are named but not ranked.
Should I Use CPF Or Cash For My Mortgage?
It depends on your CPF interest, your loan rate and how much cash you want to keep. The CPF Vs Cash Mortgage Payoff calculator compares both for your numbers.
Is There A Step-By-Step Plan For Buying A Home?
Yes. Buy A Home takes you through your budget, loan, upfront costs and how to pay in seven steps, with a separate route for resale flats.
Follow A Step-By-Step Path
General information, not financial advice. Loan figures are estimates from each bank’s published rates and the SORA assumption shown, not offers; they exclude fees, subsidies and penalties. Worked examples come from our guides and use made-up inputs. Check eligibility and current terms with HDB, IRAS and your lender before you commit.
Free Home Planning Checklist
Plan Your Home Purchase Step By Step
Track upfront costs, loan questions and what to check before you commit.
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