What will my monthly payment be?

Assumptions and rules used

These are the values behind every number on this page. They are always shown.

Rules applied as at

19 Oct 2026

Rate path

2.60% for 2 years, then 3.00% moving +0 points a year

Repayment

Level monthly payment, reset when the rate changes

Test rate for TDSR

4.00%: the higher of the bank floor (4%) and the rate after the first period

Test tenure

25 years

Rules used

• lending.tdsr, rule dated 16 Dec 2021: Total monthly debt repayments may not exceed 55% of gross monthly income (tightened from 60% on 16 Dec 2021). Source
• lending.stress-rate.bank, rule dated 30 Sep 2022: Banks compute the instalment for TDSR and MSR at the higher of 4% (residential) or 5% (non-residential) or the thereafter rate. Source
• lending.max-tenure.private, rule dated 6 Oct 2012: Bank loans for private homes may not run longer than 35 years. Source
• lending.ltv.bank, rule dated 6 Jul 2018: Bank LTV is 75% for a first loan, 45% for a second, 35% for a third or later, 15% for non-individuals; 20 pp lower for long tenure or past age 65. Source

Limits of this tool

• The rate path is your assumption, not a forecast. Banks reprice on their own dates and may add fees.
• TDSR counts all monthly debt, at the percent of gross monthly income shown in the rule.

Rule files last checked 4 Oct 2026.