3-month compounded SORA, Mon 2 Nov 20261.2970%a month ▲ 0.06 · a year ▼ 0.03
1M SORA 1.3494% · 6M SORA 1.2209% · SORA 1.5526% (for 30 Oct 2026)
3-month compounded SORA: SORA over the last 3 months, compounded day by day, as MAS publishes it each business day. What many SORA home loans add their spread to.
1M SORA 1.3494% · 6M SORA 1.2209% · SORA 1.5526% (for 30 Oct 2026)
| Year | Average | Lowest | Highest | At the end |
|---|---|---|---|---|
| 2026 | 1.1320% | 1.0182% | 1.2970% | 1.2970% |
| 2025 | 2.0204% | 1.1891% | 3.0346% | 1.1906% |
| 2024 | 3.5530% | 3.0717% | 3.7063% | 3.0717% |
| 2023 | 3.5628% | 2.9980% | 3.7611% | 3.7090% |
| 2022 | 1.2046% | 0.1882% | 3.1415% | 3.0966% |
| 2021 | 0.1622% | 0.1255% | 0.2309% | 0.1867% |
| 2020 | 0.4512% | 0.0696% | 1.2677% | 0.1283% |
| 2019 | 1.5502% | 1.2342% | 1.7534% | 1.2682% |
| 2018 | 0.9765% | 0.6660% | 1.4504% | 1.4504% |
| 2017 | 0.4881% | 0.1458% | 0.8358% | 0.8358% |
| 2016 | 0.2203% | 0.0794% | 0.4029% | 0.1313% |
| 2015 | 0.2273% | 0.1183% | 0.3288% | 0.3282% |
| 2014 | 0.0719% | 0.0436% | 0.1146% | 0.1146% |
| 2013 | 0.0507% | 0.0390% | 0.0639% | 0.0635% |
| 2012 | 0.0584% | 0.0362% | 0.0817% | 0.0631% |
| 2011 | 0.0584% | 0.0432% | 0.0846% | 0.0525% |
| 2010 | 0.1225% | 0.0783% | 0.2149% | 0.0783% |
| 2009 | 0.2157% | 0.1116% | 0.4392% | 0.2204% |
| 2008 | 0.7934% | 0.4046% | 1.5836% | 0.4664% |
| 2007 | 2.5053% | 1.6103% | 3.2918% | 1.6103% |
| 2006 | 3.1632% | 2.6352% | 3.3490% | 3.2780% |
| 2005 | 2.2019% | 1.9026% | 2.5711% | 2.5711% |
| Month | SORA average | 1M | 3M | 6M |
|---|---|---|---|---|
| Oct 2026 | 1.3235% | 1.3290% | 1.2748% | 1.2170% |
| Sep 2026 | 1.2386% | 1.2519% | 1.2312% | 1.1579% |
| Aug 2026 | 1.2733% | 1.2543% | 1.1805% | 1.1220% |
| Jul 2026 | 1.1646% | 1.1883% | 1.1528% | 1.0875% |
| Jun 2026 | 1.0883% | 1.0854% | 1.0813% | 1.0779% |
| May 2026 | 1.1501% | 1.1967% | 1.0645% | 1.0944% |
| Apr 2026 | 1.0044% | 0.9766% | 1.0182% | 1.0893% |
| Mar 2026 | 1.0194% | 1.0327% | 1.0697% | 1.1324% |
| Feb 2026 | 1.0274% | 1.0761% | 1.1226% | 1.1857% |
| Jan 2026 | 1.1307% | 1.1312% | 1.1559% | 1.2484% |
| Dec 2025 | 1.1592% | 1.1833% | 1.1906% | 1.3260% |
| Nov 2025 | 1.1142% | 1.1488% | 1.2496% | 1.4329% |
| Oct 2025 | 1.1965% | 1.2282% | 1.3297% | 1.5927% |
| Sep 2025 | 1.3325% | 1.3611% | 1.4571% | 1.7627% |
| Aug 2025 | 1.3739% | 1.4380% | 1.5986% | 1.9407% |
| Jul 2025 | 1.6145% | 1.6055% | 1.8495% | 2.1105% |
| Jun 2025 | 1.7155% | 1.7455% | 2.0607% | 2.3104% |
| May 2025 | 2.1794% | 2.2006% | 2.2795% | 2.5201% |
| Apr 2025 | 2.2344% | 2.2301% | 2.3778% | 2.6598% |
| Mar 2025 | 2.3953% | 2.4144% | 2.5618% | 2.8404% |
| Feb 2025 | 2.4692% | 2.5430% | 2.7518% | 3.0066% |
| Jan 2025 | 2.7644% | 2.7613% | 2.9182% | 3.1615% |
| Dec 2024 | 2.9021% | 2.9586% | 3.0717% | 3.2935% |
| Nov 2024 | 2.9794% | 3.0218% | 3.2322% | 3.4158% |
SORA’s average over the month’s business days; 1M, 3M and 6M compounded SORA as MAS published them on the month’s last business day.
MAS’s figures from its Domestic Interest Rates statistics, by the date it published them. Every day since 2005 (CSV).
| Published | 3M SORA | Change |
|---|---|---|
| Mon 2 Nov 2026 | 1.2970% | ▲ 0.02 |
| Fri 30 Oct 2026 | 1.2748% | ▲ 0.01 |
| Thu 29 Oct 2026 | 1.2683% | = 0.00 |
| Wed 28 Oct 2026 | 1.2671% | = 0.00 |
| Tue 27 Oct 2026 | 1.2671% | = 0.00 |
| Mon 26 Oct 2026 | 1.2660% | ▲ 0.01 |
| Fri 23 Oct 2026 | 1.2568% | = 0.00 |
| Thu 22 Oct 2026 | 1.2553% | = 0.00 |
| Wed 21 Oct 2026 | 1.2532% | = 0.00 |
| Tue 20 Oct 2026 | 1.2505% | = 0.00 |
| Mon 19 Oct 2026 | 1.2492% | ▲ 0.01 |
| Fri 16 Oct 2026 | 1.2418% | = 0.00 |
| Thu 15 Oct 2026 | 1.2389% | = 0.00 |
| Wed 14 Oct 2026 | 1.2366% | = 0.00 |
| Tue 13 Oct 2026 | 1.2363% | = 0.00 |
| Mon 12 Oct 2026 | 1.2346% | = 0.00 |
| Fri 9 Oct 2026 | 1.2310% | = 0.00 |
| Thu 8 Oct 2026 | 1.2307% | = 0.00 |
| Wed 7 Oct 2026 | 1.2323% | = 0.00 |
| Tue 6 Oct 2026 | 1.2325% | = 0.00 |
| Mon 5 Oct 2026 | 1.2332% | = 0.00 |
| Fri 2 Oct 2026 | 1.2337% | = 0.00 |
| Thu 1 Oct 2026 | 1.2336% | = 0.00 |
| Wed 30 Sep 2026 | 1.2312% | = 0.00 |
| Tue 29 Sep 2026 | 1.2298% | = 0.00 |
| Mon 28 Sep 2026 | 1.2302% | ▲ 0.01 |
| Fri 25 Sep 2026 | 1.2251% | = 0.00 |
| Thu 24 Sep 2026 | 1.2210% | = 0.00 |
| Wed 23 Sep 2026 | 1.2200% | = 0.00 |
| Tue 22 Sep 2026 | 1.2191% |
1.2970% a year: the 3-month compounded SORA MAS published at 9am on Mon 2 Nov 2026, up 0.06 percentage point on a month ago (1.2337% on 2 Oct 2026), and down 0.03 percentage point on a year ago (1.3297% on 31 Oct 2025).
1.597% a year, so S$2,022.55 a month over 25 years, against S$2,030.29 a year ago, when 3M SORA was 1.3297%. At HDB’s 2.6%: S$2,268.35. The 0.3% is made up: your spread is in your letter of offer. Work out yours.
3.7611%, on 6 Nov 2023; the lowest was 0.0362%, on 2 May 2012. MAS’s 3-month compounded SORA goes back to 4 Oct 2005.
1.1906%, as MAS published it on 31 Dec 2025, the year’s last business day. 2025 day by day.
It’s SORA compounded over the last 3 months, with weekends and holidays at the business day before’s rate. From the SORA Index: (index at the end ÷ index at the start − 1) × 365 ÷ the days between. Today’s, from 31 Jul 2026 (1.1222821238) to 2 Nov 2026 (1.1260021206), comes to 1.2871% (MAS publishes 1.2970%: its period starts by its own business-day rule).
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