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HDB Home Loan

HDB Home Loan

Attractive HDB Home Loan interest rates
from as low as 1.85% p.a.

Contact Us
Up to 75% Financing
Up to 30 Years Tenure
Personalised Service
Ready to own your dream home? Let us help you turn that dream into reality with our HDB Home Loan, offering attractive fixed interest rates from just 1.85% p.a. and high financing of up to 75%. Enjoy flexible financing options, including both fixed and floating rates, along with affordable monthly repayments tailored to your needs.
With guidance from our dedicated home loan team, we ensure a smooth and stress-free experience when buying an HDB flat in Singapore. Whether you are purchasing your first home or upgrading to a bigger space, our customised HDB home loan solutions help you secure the keys to your ideal dream home with confidence.

Highlights

  • Competitive fixed and floating interest rates packages
  • Get high loan quantum of up to 75% financing
  • Enjoy loan tenures as high as 30 years, or up to age 75, whichever is lower
  • Be assisted by our dedicated relationship managers
  • Bridging loan available to help you with down payment, while awaiting sale proceeds from your existing property

Eligibility

  • Singaporeans and Singapore PRs buying a HDB flat from the resale market, directly from the HDB or refinancing HDB Home Loan from another organisation

Home Loan Application

Step 1
One

Bring along relevant documents stated in the application form to meet a Branch Manager for a discussion at any of the 28 Hong Leong Finance branches

Step 2
Two

Produce relevant documents for loan application & declaration

Step 3
Three

Select home loan packages and submit loan application documents for processing

Step 4
Four

Upon loan approval, accept & sign Letter of Offer

Step 5
Five

Appoint Hong Leong Finance panel lawyer for mortgage documentation

Step 6
Six

Sign mortgage document at lawyer's office

Step 7
Seven

Lawyer to ensure proper documentation in place before giving Hong Leong Finance notice to disburse loan

Step 8
Eight

Where documentation are in order and all terms and conditions of the loan are complied with, Hong Leong Finance will disburse the loan

Step 9
Nine

Cashier's order/Cheque will be released upon satisfactory final searches

Interest Rates

Period Interest Rate (% p.a.)
1st Year 2.20 (Fixed)
2nd Year 2.20 (Fixed)
3rd Year 2.20 (Fixed)
Thereafter 3.50 (HHR - 3.50%)

Published rates are as of 9 Sep 2025.

Notes:
  1. HDB Home Rate (HHR) is 7.00% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 2.20 (Fixed)
2nd Year 2.20 (Fixed)
3rd Year 3.50 (HHR - 3.50%)
Thereafter 3.50 (HHR - 3.50%)

Published rates are as of 9 Sep 2025.

Notes:
  1. HDB Home Rate (HHR) is 7.00% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 2.38 (HHR - 4.62%)
2nd Year 2.38 (HHR - 4.62%)
3rd Year 3.50 (HHR - 3.50%)
Thereafter 3.50 (HHR - 3.50%)

Published rates are as of 9 Sep 2025.

Notes:
  1. HDB Home Rate (HHR) is 7.00% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 1.95 (Fixed)
2nd Year 1.95 (Fixed)
3rd Year 1.95 (Fixed)
Thereafter 3.50 (HHR - 3.50%)

Published rates are as of 9 Sep 2025.

Notes:
  1. HDB Home Rate (HHR) is 7.00% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 1.95 (Fixed)
2nd Year 1.95 (Fixed)
3rd Year 3.50 (HHR - 3.50%)
Thereafter 3.50 (HHR - 3.50%)

Published rates are as of 9 Sep 2025.

Notes:
  1. HDB Home Rate (HHR) is 7.00% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 2.38 (HHR - 4.62%)
2nd Year 2.38 (HHR - 4.62%)
3rd Year 3.50 (HHR - 3.50%)
Thereafter 3.50 (HHR - 3.50%)

Published rates are as of 9 Sep 2025.

Notes:
  1. HDB Home Rate (HHR) is 7.00% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 1.85 (Fixed)
2nd Year 1.85 (Fixed)
3rd Year 1.85 (Fixed)
Thereafter 3.50 (HHR - 3.50%)

Published rates are as of 9 Sep 2025.

Notes:
  1. HDB Home Rate (HHR) is 7.00% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 1.85 (Fixed)
2nd Year 1.85 (Fixed)
3rd Year 3.50 (HHR - 3.50%)
Thereafter 3.50 (HHR - 3.50%)

Published rates are as of 9 Sep 2025.

Notes:
  1. HDB Home Rate (HHR) is 7.00% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.
Period Interest Rate (% p.a.)
1st Year 2.38 (HHR - 4.62%)
2nd Year 2.38 (HHR - 4.62%)
3rd Year 3.50 (HHR - 3.50%)
Thereafter 3.50 (HHR - 3.50%)

Published rates are as of 9 Sep 2025.

Notes:
  1. HDB Home Rate (HHR) is 7.00% p.a.
  2. Rates are only indicative and subject to change at any time without prior notice.

Calculate Your Instalment

years
S$
years

Computation Results

1st Year Monthly Instalment

S$0.00

2nd Year Monthly Instalment

S$0.00

3rd Year Monthly Instalment

S$0.00

Thereafter Monthly Instalment

S$0.00

Disclaimer:
Results are indicative values only.
Terms and conditions apply.

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