POSB supports borrowers most impacted by inflation.

For a lot of us, our home is our biggest expense and concern in this rising interest rate environment. To further support home buyers and existing HDB owners earning less than S$2,500 per month, we’ve designed an exclusive HDB home loan rate package at 2.60% p.a., similar to the current HDB concessionary interest rate to help you realise your home ownership goals.

Additionally, for a limited time only, we are covering you with a 1-year complimentary Property Insurance – this protects you in unforeseen situations such as a damage or loss to your property caused by fire.

Exclusively for:


Applications where average monthly income of all borrowers are S$2,500 and below*

New HDB home buyers or existing HDB homeowners refinancing from another financial institution.

A limited time only.

*Refers to Admissible income – Gross monthly income (basic salary and extra wages such as overtime pay and bonuses) 

For a limited time only

Year 1 to Year 3 2.60% p.a.
(CHR + 0.10%)
Year 4 and Thereafter 2.60% p.a.
(CHR + 0.10%)
Commitment Period 3 years
Minimum Loan Amount S$100,000

CPF Home Rate (CHR) is based on the prevailing interest rate payable on CPF Ordinary Account (OA). It is currently 2.50% p.a.


Additionally, receive a S$2,000 Cash Reward

When you refinance your home loan to us with a minimum loan amount of S$250,000.

Loan Amount Cash Reward
≥ S$250,000 S$2,000

Apply Now

3M SORA refers to the 3-Month Compounded Singapore Overnight Rate Average (SORA) that is published on MAS website. As at 1 Aug 2023, it is 3.674% p.a.

Calculate your home loan savings and switch to POSB HDB Loan to get your interest savings today!

Terms and Conditions

  • This promotion is valid for HDB purchase or refinancing only.
  • POSB will have the final decision on all matters regarding the promotion.
  • POSB may change these terms or suspend/terminate the promotion without giving notice


Alternatively, consider a fixed loan package

Not eligible for the above package? Consider choosing a fixed rate home loan package. Plus, enjoy free conversion to any package. Click here for the wide range of attractive loan packages.

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