SORA Rates, Week 37 2026 · 07 SEP – 11 SEP 2026
1. SORA Snapshot
3-month compounded SORA held steady this week at 1.20%. A 0bp move from 1.20% seven days ago. Spot SORA swung from 0.60% to 1.40% during the week (07 SEP – 11 SEP 2026), the kind of daily noise that shouldn't be over-read.
The 3-month figure is what actually reprices most mortgages, and it's the number to anchor on: 1M compounded stands at 1.27%, 6M at 1.14%.
On a standard $500,000 loan, this week's move works out to about $0 more a month, order of magnitude, not exact. 113 new condo/EC transactions landed in our data this week, averaging $1,772 psf, worth watching alongside the rate moves.
2. Bank Rates We're Tracking
2 of the many banks we work with are giving these rates this week: HLF fixed at 1.85%; UOB at 3M SORA + 0.7%. Just examples of what's live right now.
Ask me for a comparison against your own bank, happy to run the numbers.
- HLF fixed at 1.85%
- UOB at 3M SORA + 0.7%
3. Macro Context
The US Fed funds rate stood at 3.63% and the US 10-year Treasury yield at 4.68%. USD/SGD sat at 1.2760, worth watching alongside the rate story.
SORA's path depends on local SGD liquidity and MAS's exchange-rate stance far more than on Fed announcements. When SORA and the Fed's stance are pointing in different directions, that divergence is the actual story, not a coincidence to skip past.
4. Ron's Read
The daily number is a distraction, not a decision point. The 3-month compounded figure is what matters for most homeowners deciding between fixed and floating this week. At 1.20%, the real decision isn't about the headline Fed news, it's about your own loan structure against where SORA actually sits right now.
Send over your current loan details and I'll check them against this week's rates, I'll give you a straight answer either way.
Ready to talk numbers?
No pitch. Just an honest conversation about your unit.
