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Topic: Home Financing

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Cassia Fo, wearing her light denim jacket over a white top, standing beside two abstract rate lines on a plain warm ivory background: a flat gold line representing the unchanging HDB concessionary rate, and a jagged navy line representing the floating bank rate, with a tall spike on the left (the 1997-98 Asian Financial Crisis) and a smaller spike on the right (the 2022-23 SORA hike).

property · guide

HDB Loan vs. Bank Loan: One Buyer, 25 Years, Three Real Strategies

One buyer, one S$800,000 HDB flat, three strategies -- run against real Singapore interest-rate history from 1997 to 2022, including the 1997-98 crisis and the 2022-23 SORA hike, not just today's rate.

Cassia Fo · 14 Sept 2026

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