How SORA-pegged and fixed packages compare, and how to think about rate risk over a 25–30 year loan.
Full guide in progress. This is the outline for an upcoming
in-depth article. The structure below shows what it will cover — the tools you need to act on
it are already live in our calculators.
What this guide will cover
- The core rules and definitions, in plain English.
- A worked Singapore example with real 2026 figures.
- How it specifically affects HDB owners upgrading to a condo.
- The common mistakes — and how to avoid them.
- A short checklist you can act on this week.
Why it matters for upgraders
Every part of an HDB-to-condo move connects — your loan, your CPF, the timing of your sale and the stamp duty you pay all interact. This topic, fixed vs floating home loan rates in 2026, is one piece of that picture. While we finish the full write-up, the essentials are covered in our flagship guide.
Start with The Complete Guide to Upgrading from HDB to a Condo — it ties all the pieces together.
Do this now
- Run your numbers in the affordability & upgrade planner.
- Check current transacted prices in the transaction search.
- Read the related guides below when you're ready to go deeper.
Related guides
Information only. This article explains
general rules current in 2026 and is not financial, tax or legal advice. Property rules,
stamp-duty rates and loan limits are set by MAS, IRAS, HDB and CPF and can change — always
confirm current figures and your own eligibility with the relevant authority or a licensed
professional before you transact.