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POSB HDB Home Loan

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POSB HDB Home Loan

2 years

Lock-In Period


Interest Rate (1st year)

S$ 1,172

Monthly Repayment (1st year)

S$ 300,000
25 Years

POSB HDB Home Loan is ideally made for homeowners seeking a housing loan for an HDB flat, which offers competitive fixed and floating interest rates. It is also best for borrowers hoping to refinance home loans of more than S$500,000. This deal features lock-in periods of up to 5 years.


  • Offers a choice of fixed-rate and floating-rate
  • Transparent rate pegged to SGD fixed deposit interest rates
  • Switch to POSB HDB Loan and save at least up to S$150 monthly 
  • Provides protection against sudden loss of income and unfortunate events with Home Payment Care
  • Earn up to S$400 on your savings with POSB Multiplier, no minimum salary, no minimum credit card spend.

Fixed Rate Packages:

2-Year Fixed Rate (minimum loan amount of S$100,000)

2-Year Lock-inInterest Rates
Year 1 to Year 21.30% p.a.
Year 3 and thereafterFHR6 + 1.60% p.a.


5-Year Fixed (HDB Exclusive – minimum loan amount of S$200,000)

5-Year Lock-inInterest Rates
Year 1 to Year 51.40% p.a.
Year 6 and thereafterFHR6 + 1.60% p.a.


Floating Rate Packages:

2-Year Lock-in (minimum loan amount of S$500,000)

2-Year Lock-inInterest Rates
Year 1 to Year 2FHR6 + 1.05% (Capped at 1.50% p.a)
Year 3 and thereafterFHR6 + 1.60%


5-Year Lock-in (minimum loan amount of S$100,000)

5-Year Lock-inInterest Rates
Year 1FHR6 + 0.80% p.a. (Capped at 2.30% p.a)
Year 2 to Year 5FHR6 + 1.00% p.a. (Capped at 2.30% p.a)
Year 6 and thereafterFHR6 + 1.40% p.a.

*Note: FHR6 is 0.200% p.a. currently.

With POSB HDB Home Loan, you can enjoy home loan rates at 1.25% p.a. with a capped interest rate of 1.50% p.a.

Disclaimer: This information may differ from what you see when you visit other financial service websites or the product’s official site, but Loan Advisor continues to keep every detail updated and accurate. This site may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored will always be based on objective analysis.

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