MortgageOne SIBOR is the smart way to finance your home. Reduce your monthly interest by offsetting the interest paid on your home loan with the interest earned on your deposits. Also enjoy greater stability with our 12-month SIBOR package, as your home loan interest rate changes only once every 12 months from the pricing date.

Enjoy these exclusive rates when you apply online.

Year Your Exclusive Rate
Year 1 12-month Sibor + 0.50% (2 years lock-in)
Year 2 12-month Sibor + 0.50% (2 years lock-in)
Year 3 12-month Sibor + 0.70%
Year 4 & thereafter 12-month Sibor + 1.00%

The prevailing SIBOR shall be as published on Reuters Screen ABSIRFIX01 under the heading “SGD SIBOR”. Singapore time. The prevailing SIBOR is also available in The Business Times.


  • Minimum loan size of S$100,000
  • For completed private residential property only
  • Terms and conditions apply

What does a MortgageOne 12-month SIBOR package mean?

SIBOR-pegged loan packages are priced at regular intervals. Our MortgageOne SIBOR packages are traditionally priced at 1-month intervals or 3-month intervals. For example, a 1-month SIBOR pricing package means that the first pricing on your home loan will be done on the first business day of your loan disbursement. The next pricing will be done at a 1-month interval on the first business day of the month.

With a 12-month SIBOR for MortgageOne package, you will enjoy greater stability as your home loan interest rate changes only once every 12 months. Take advantage of our promotion now.

How It Works

Here’s how you can save significantly on your interest:



Loan Calculator
Loan Amount* ($)
Loan Tenor* (years)
Deposits used to offset the interest payable on your Loan
Initial MortgageOne Deposit* ($)
Monthly Deposit* ($)
* denotes mandatory field

Interest Rates*

MortgageOne Loan (%)

Year 1


Year 2


Year 3

Year 4


Year 5



Traditional Housing Loan# (%)

Year 1


Year 2


Year 3

Year 4


Year 5



# Traditional Housing Loan refers to the repayment of the mortgage by way of making regular payments of the capital (also called the principal) and interest over a set term.

Pricing and Features
Interest Rate 1-month or 3-month SIBOR plus a margin for the Bank.
Two-thirds of your deposits will enjoy the same rate as your mortgage loan, subject to a maximum of your loan principal outstanding. Remaining deposits will enjoy an interest rate of 0.25% p.a. Check out our promotional 12-month SIBOR package here when you apply.
Loan Size Minimum SGD100,000
Fees No processing fee
Type of Property Private Residential Property Only

Mortgage Facility Terms apply. Pricing and Mortgage Facility Terms are subject to change without prior notice.

Interested To Know More?

Terms and Conditions

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to SGD50,000 in aggregate per depositor per Scheme member by law. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.

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