3M SORA rate today
- 3M a month earlier
- 1.19%
- 3M a year earlier
- 1.44%
- 1M today
- 1.27%
- 6M today
- 1.17%
- Overnight today
- 1.37%
The benchmark most floating-rate home loans are priced off. Banks add their own spread on top, so this is the rate a loan tracks, not the rate a borrower pays.
The last three years
- 1M
- 3M
- 6M
The last five fixings
| Date | 3M | 1M | 6M | Overnight |
|---|---|---|---|---|
| 2 Oct | 1.23% | 1.27% | 1.17% | 1.37% |
| 1 Oct | 1.23% | 1.25% | 1.16% | 1.30% |
| 30 Sept | 1.23% | 1.25% | 1.16% | 1.40% |
| 29 Sept | 1.23% | 1.25% | 1.16% | 1.39% |
| 28 Sept | 1.23% | 1.25% | 1.16% | 1.40% |
MAS publishes each day’s rates on the next business day.
Month by month
| Month end | 3M | 1M | 6M |
|---|---|---|---|
| 2026 | |||
| October (to 2 Oct) | 1.23% | 1.27% | 1.17% |
| September | 1.23% | 1.25% | 1.16% |
| August | 1.19% | 1.27% | 1.12% |
| July | 1.14% | 1.15% | 1.08% |
| June | 1.08% | 1.10% | 1.08% |
| May | 1.06% | 1.14% | 1.09% |
| April | 1.03% | 1.02% | 1.09% |
| March | 1.07% | 1.03% | 1.13% |
| February | 1.12% | 1.04% | 1.19% |
| January | 1.15% | 1.14% | 1.24% |
| 2025 | |||
| December | 1.19% | 1.17% | 1.32% |
| November | 1.25% | 1.15% | 1.41% |
| October | 1.32% | 1.25% | 1.58% |
| September | 1.45% | 1.38% | 1.76% |
| August | 1.56% | 1.36% | 1.92% |
| July | 1.84% | 1.61% | 2.11% |
| June | 2.05% | 1.72% | 2.31% |
| May | 2.27% | 2.19% | 2.51% |
| April | 2.36% | 2.24% | 2.65% |
| March | 2.55% | 2.38% | 2.81% |
| February | 2.73% | 2.46% | 2.98% |
| January | 2.90% | 2.80% | 3.15% |
| 2024 | |||
| December | 3.03% | 2.90% | 3.28% |
| November | 3.21% | 3.01% | 3.41% |
| October | 3.38% | 3.19% | 3.52% |
| September | 3.49% | 3.43% | 3.58% |
| August | 3.57% | 3.48% | 3.63% |
| July | 3.64% | 3.53% | 3.66% |
| June | 3.63% | 3.66% | 3.67% |
| May | 3.66% | 3.68% | 3.67% |
| April | 3.65% | 3.51% | 3.67% |
| March | 3.68% | 3.75% | 3.71% |
| February | 3.65% | 3.64% | 3.71% |
| January | 3.65% | 3.62% | 3.72% |
| 2023 | |||
| December | 3.70% | 3.65% | 3.72% |
| November | 3.75% | 3.66% | 3.74% |
What SORA is
SORA is the volume-weighted average rate banks in Singapore charge each other for unsecured overnight Singapore dollar loans. MAS publishes it for every business day. The compounded rates are that daily figure compounded over the previous one, three or six months, which is why they move smoothly while the overnight rate jumps about.
How a home loan uses it
A floating-rate package is quoted as a compounded SORA rate plus a spread, such as 3M SORA plus a fixed margin. Each bank sets its own spread and it differs between packages, so the figures here are the benchmark a loan follows, not what a borrower pays. The bank or a mortgage broker can give a package’s actual rate.
Related: HDB resale price trends and resale prices town by town.
This is the free layer. The block is where the deal is.
Propoa gives CEA-registered agents the full picture under these figures: every block’s turnover and lease position, a comparable-sales valuation for any unit, alerts when a client’s brief matches a new sale, and pitch packs you can send a seller as a link. Built in Singapore, for Singapore.
See what agents getIndicative only. Not financial advice, and not an official or government-endorsed figure.
Contains information from Domestic Interest Rates (Daily) accessed on 5 Oct 2026 from the Monetary Authority of Singapore (https://eservices.mas.gov.sg/statistics/dir/domesticinterestrates.aspx), which is made available under the MAS Terms of Use of Datasets (https://www.mas.gov.sg/terms-of-use).