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Overview
Loans
HDB Mortgage / Refinance
Retirement
CPF OA & SA Savings
HDB Mortgage / Refinance Calculator. Standard amortization for SORA-pegged or fixed-rate Singapore home loans. Interactive Mengira financial calculator with deterministic math: inputs are processed client-side, results update reactively, formulas documented in the on-page explainer.
← Singapore

HDB Mortgage / Refinance Calculator

Standard amortization for SORA-pegged or fixed-rate Singapore home loans.

S$ 650,000
S$ 162,500

HDB min 20% (5% cash + 15% CPF/cash).

3.80%
25 yrs

Monthly installment

S$ 2,520

Loan amount S$ 487,500 over 25 years

Total payable

S$ 755,903

Total interest

S$ 268,403

Interest / loan

55.1%

Monthly / loan

0.517%

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Next steps

Recommendations
Lock fixed rate
Compare 2-year and 3-year fixed packages.
See packages
Plan CPF usage
Balance CPF OA vs cash for installments.
Stress test
Re-run at +1.5% MAS stress rate.

How the math works

Standard mortgage amortization assuming a constant interest rate over the tenure.

  1. 01

    Loan amount

    Loan = Price − DownPayment
  2. 02

    Monthly installment

    M = P × r / (1 − (1 + r)^-n)

    r = AnnualRate/12, n = Years × 12

  3. 03

    Total interest

    Interest = M × n − Loan
SORA-pegged rates float. MAS requires stress-testing at a higher floor rate when assessing TDSR.