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Rate stress test

What if interest rates jump?

See what a rise in SORA does to your payment, your TDSR and your rent cover. The bank's test uses a rate floor from the MAS rules; the page shows the date of that rule.

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Rate stress testPropInsights.sg

Your numbers

Change a value and the results update at once.

Loan
Use the Option to Purchase date, or today. Default is today.
years
SORA is the Singapore Overnight Rate Average. Most floating home loans are priced as SORA plus a bank spread.
%
Your input.
%
Income and rent
a month
TDSR, the Total Debt Servicing Ratio, caps all your monthly debt payments as a share of gross income.
a month
Car loan, card instalments and so on.
a month
0 if you live there.
a year
a month
Property tax, maintenance and so on.

The bank's TDSR stays within the limit in all four cases.

Monthly payment if SORA rises 3 points

Up S$1,986 from S$5,383 now, at 5.50% against 2.50%.

Monthly payment if SORA rises 3 points: S$7,369. Up S$1,986 from S$5,383 now, at 5.50% against 2.50%.
Payment now
S$5,383
at 2.50%
Payment at SORA +1
S$6,007
at 3.50%
TDSR now
28.8%
limit 55%
Rent cover at SORA +3
Check: 0.56x
rent after empty months / payment
Four rate cases
NowSORA +1SORA +2SORA +3
Loan rate2.50%3.50%4.50%5.50%
Monthly paymentS$5,383S$6,007S$6,670S$7,369
Rate the bank uses for TDSR4.00%4.00%4.50%5.50%
Payment at that rateS$6,334S$6,334S$6,670S$7,369
TDSR (limit 55%)28.8% within28.8% within30.3% within33.5% within
Payment plus debts over income24.5%27.3%30.3%33.5%
Rent cover0.77x0.69x0.62x0.56x
Rent less payment and costs, a month-S$2,258-S$2,882-S$3,545-S$4,244
Largest loan the TDSR allowsS$2,292,375S$2,292,375S$2,176,915S$1,970,403
Monthly payment against rent
Loan paymentRent after empty months
Hover or use the arrow keys to read a value.
02k4k6k8kNowSORA +1SORA +2SORA +3
Chart data as a table
Loan paymentRent after empty months
NowS$5,383S$4,125
SORA +1S$6,007S$4,125
SORA +2S$6,670S$4,125
SORA +3S$7,369S$4,125

Assumptions and rules used

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

Date for the rules
19 Oct 2026
Loan
S$1,200,000 over 25 years
Loan rate today
SORA 1.5% + spread 1% = 2.50%
Rate moves
SORA up 1, 2 and 3 points at once, spread unchanged; the instalment re-sets at once
TDSR floor
4.0% (the bank uses the higher of this and the loan rate)
Income
S$22,000 a month gross, other debts S$0
Rent
S$4,500 a month with 1 empty month(s) a year

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

Limits of this tool

  • SORA and the bank spread are your inputs. Check the current SORA rate and your bank offer.
  • TDSR is on gross monthly income. Banks apply a haircut to rental and variable income; this tool uses the income you enter as it is.
  • The "payment over income" row uses the real rate. The TDSR row uses the rate the bank must use for the test.

Rule files last checked 4 Oct 2026.

Not financial advice; check current rules with IRAS and MAS. Results are estimates from the inputs and the dated rules shown.