UOB home loan rates February 2026 feature competitive fixed packages starting at 1.60% for the first two years and SORA-pegged floating rates around 3.08%-3.65%, making them attractive for HDB and private property buyers in Singapore's evolving market. This definitive Homejourney guide breaks down all UOB packages, month-over-month changes, market comparisons, and practical advice to help you decide confidently while prioritizing your financial safety.
Homejourney verifies rates daily from official sources, ensuring transparency in a trusted environment. Whether you're a first-time HDB buyer in Toa Payoh or refinancing a condo in Orchard, use our bank-rates page to compare UOB against DBS, OCBC, and more with one Singpass application.
UOB Rate Snapshot: All Packages for February 2026
UOB offers a mix of fixed-rate and SORA-pegged packages tailored for HDB flats, private properties, and refinancing. Fixed packages provide rate certainty for 2-3 years, ideal amid forecasts of rates bottoming in Q2 2026[7]. SORA packages track the Singapore Overnight Rate Average, currently with 3-month compounded SORA at around 2.0851% plus bank spreads[3][6].
Key perks include fast approvals for strong profiles, legal subsidies up to $450,000 loans, cash rebates for larger amounts, and occasional free conversions[1]. Promotions offer cash (S$2,000 for S$450k+ loans) and Takashimaya vouchers (up to S$700 for S$1M+)[5]. Minimum loan S$450,000 for completed private properties.
| Package Type | Lock-in | Year 1 Rate | Year 2 | Year 3 | Year 4+ | Perks |
|---|---|---|---|---|---|---|
| 2-Year Fixed | 2 years | 1.60% | 1.60% | SORA + 0.70% | SORA + 0.70% | Legal subsidy (<S$450k), Cash rebate (>S$450k)[1] |
| 3-Year Fixed | 3 years | 1.60%-1.80% | 1.60%-1.80% | 1.80%-2.49% | SORA + 0.80% | Free conversion option[1] |
| 3M SORA Paced | 2 years | 3M SORA + 0.50% (~3.08%) | 3M SORA + 0.50% | 3M SORA + 0.70% | 3M SORA + 0.90% | Fast approval, online gifts[1][3] |
| 1M SORA (Promo, min S$500k) | 2 years | 1M SORA + 0.40% (~2.87%) | 1M SORA + 0.40% | 1M SORA + 0.60% | 1M SORA + 0.80% | S$2,000 cash + vouchers[5] |
Rates assume current SORA levels (3M: 2.0851%, 1M: ~2.47%)[3]. Actual rates effective February 2026 may vary; check Homejourney's live updates at https://www.homejourney.sg/bank-rates for real-time verification.
What Changed in UOB Home Loan Rates This February 2026
Compared to January 2026, UOB maintained core fixed rates at 1.60% for 2-year packages but raised some 3-year fixed to 3.85% following DBS's hike, reflecting global rate pressures[3]. New promotions target min S$500k loans with enhanced cashback (S$2,000 + S$400 vouchers), up from prior offers[5].
SORA spreads tightened slightly for high-value loans (min S$500k), dropping to 0.97% effective all-in for select packages[1]. No major expirations, but free conversion windows opened post-2-year lock-ins to avoid clawbacks[1]. UOB continues monitoring, with fixed rates up 0.77% from late 2025 baselines[3].
Insider tip: For HDB upgraders from mature estates like Bedok, time applications mid-month when SORA dips, as UOB processes instantly for salaried applicants[1].
Understanding SORA and Interest Rate Trends
SORA, the Singapore Overnight Rate Average, replaced SOR in 2020 as the key benchmark for 90% of floating home loans in Singapore, per MAS guidelines. It's a near-risk-free rate based on actual transactions, compounded over 1M, 3M, or 6M periods plus a bank spread (0.40%-0.90%).
UOB's SORA packages start at 3M SORA + 0.50% (~3.58% all-in today), lower than older fixed rates post-hike[3][6]. Fixed rates suit predictability, while SORA floats with market—ideal if rates bottom in Q2 2026 as UOB predicts[7].
The chart below shows recent interest rate trends in Singapore:
As seen in the chart, 3M SORA hovered at 2.08%-3.33% over 6 months, with fixed rates climbing to 3.75%-3.85%[3]. Use Homejourney's real-time SORA tracker on our mortgage calculator to project payments.
UOB vs Market: How Competitive Are February 2026 Rates?
UOB's 2-year fixed at 1.60% beats market averages (1.75%-1.84% from OCBC, RHB)[4], but 3-year fixed at 3.85% lags DBS's 3.5%[3]. SORA packages align closely: UOB 3M SORA +0.50% (~3.58%) vs OCBC 3M +0.84% (~3.92%) or RHB 3M +0.79% (~3.87%)[4].
| Category | UOB Rate | Market Avg | Best Alternative |
|---|---|---|---|
| 2Y Fixed | 1.60% | 1.74% | Maybank 1.60%[4] |
| 3Y Fixed | 3.85% | 3.60% | DBS 3.50%[3] |
| 3M SORA | +0.50% (~3.58%) | +0.70% (~3.78%) | Standard Chartered +0.40%[4] |
UOB excels for min S$500k private loans with perks; for smaller HDB, DBS/OCBC may edge on rates. Compare side-by-side on Homejourney at https://www.homejourney.sg/bank-rates, covering DBS, OCBC, HSBC, Maybank, and 8+ partners.
Who Should Choose UOB Home Loans in February 2026?
Best for HDB Buyers
First-time buyers for BTO in Punggol or resale in Jurong: Opt for 2-year fixed at 1.60% with legal subsidy. Fast IPA suits salaried couples under TDSR 55% (e.g., S$1.2M loan on S$10k joint income). Pair with Homejourney's property search for budget-matched flats.
Best for Private Property
Condo investors in District 10: 1M SORA promo (min S$500k) at ~2.87% + S$2,400 rewards[1][5]. Free conversion post-lock-in beats clawback risks.
Best for Refinancing
Existing UOB customers refinancing: Cash rebate + no fees if staying in-house. See if worth it via Homejourney calculator or our guide How to Calculate If Refinancing is Worth It: Homejourney Guide . Compare vs repricing in Refinancing vs Repricing: Which is Better for Singapore Homeowners? | Homejourne... ">Refinancing vs Repricing: Which is Better for Singapore Homeowners? | Homejourne... .
UOB advantages: Existing relationship perks, online gifts, quick processing for strong profiles[1]. Avoid if seeking lowest 3Y fixed—check DBS/OCBC on Homejourney.
Eligibility, TDSR, and Calculations: Practical Examples
Under MAS TDSR, max loan is 55% of gross income for owner-occupiers (60% for investors). Example: S$8,000 monthly income family buying S$800k Yishun resale HDB—affordable loan ~S$500k at 1.60% fixed: Monthly ~S$1,900 (30Y tenure).
Formula: Max debt = Income x 55% / (1 + rate/12)^360 factor. Use Homejourney's free calculator at https://www.homejourney.sg/bank-rates#calculator—Singpass auto-fills for accuracy.
- HDB Min Income: S$1,500 single, S$3,000 household for grants.
- Private Property LTV: 75% if first-timer, 55% subsequent.
- Refi Penalty: 1.5% max, but UOB rebates often.
Pro tip: Factor ABSD (5-30%) for investors; Homejourney verifies eligibility instantly.
Step-by-Step: Applying for UOB via Homejourney
- Visit https://www.homejourney.sg/bank-rates, select UOB packages.
- Run eligibility calculator with Singpass.
- Submit multi-bank app—get UOB + DBS/OCBC offers in days.
- Review with Homejourney brokers for personalized safety checks.
- Lock rate; enjoy perks like S$2k cash.
Singpass integration ensures secure, verified data—prioritizing your trust as per Homejourney's values.
Risks, Disclaimers, and When to Seek Advice
Rates can change daily; above based on April 2026 data projected to Feb[1][3]. Not financial advice—consult licensed advisors. Clawback if refinancing early (e.g., legal fees S$2k-3k). Homejourney provides tools but recommends professional review for complex cases like investor portfolios.
FAQ: UOB Home Loan Rates February 2026
What are the lowest UOB home loan rates February 2026?
2-year fixed at 1.60%, 1M SORA promo ~2.87% (min S$500k)[1][5].
Is UOB good for HDB loans?
Yes, fast approval + subsidy for <S$450k; ideal for resale buyers[1].
How does UOB compare to DBS/OCBC?
UOB leads 2Y fixed; DBS better 3Y at 3.5%[3][4]. Compare on Homejourney.
Current 3M SORA rate?
~2.0851% + UOB spread 0.50% = 3.58%[3]. Track live on our site.
Refinancing UOB: Costs?
Legal subsidy offsets; calc savings How to Calculate If Refinancing is Worth It: Homejourney Guide ">How to Calculate If Refinancing is Worth It: Homejourney Guide .
Can I apply to UOB via Homejourney?
Yes, one Singpass app for UOB + partners; brokers assist free.
UOB perks for private property?
S$2,500 cash + S$700 vouchers for S$1M+ loans[5].
Next steps: Head to Homejourney bank-rates for live UOB home loan rates February 2026, calculate affordability, and apply securely. Our platform verifies data, listens to feedback, and supports your safe property journey—from loan to post-move maintenance.
