SORA Rates, Week 44 2026 · 26 OCT – 30 OCT 2026
1. SORA Snapshot
3-month compounded SORA pushed higher this week, printing 1.30%. A 3bp move from 1.27% seven days ago. Spot SORA covered 0.50% to 1.75% this week (26 OCT – 30 OCT 2026), the usual amount of churn that shouldn't be mistaken for a trend.
The 3-month figure is what actually reprices most mortgages, and it's the number to anchor on: 1M compounded stands at 1.35%, 6M at 1.22%.
Scaled to a $500,000 loan, that's about $12 more a month, a simple way to feel the size of this week's move.
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.
Want to know where your bank sits versus this week's rates? Ask me, I'll check.
- HLF fixed at 1.85%
- UOB at 3M SORA + 0.7%
3. Macro Context
The US Fed funds rate stood at 3.75% and the US 10-year Treasury yield at 4.99% (as of September 2026, which lags roughly a month behind real time). USD/SGD sat at 1.2806, worth watching alongside the rate story.
It's a common mix-up: SORA isn't a Fed-tracking rate. MAS's exchange-rate policy and local SGD liquidity move it instead. 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
Set aside the daily swings and focus on the trend. The 3-month compounded figure is what matters for most homeowners deciding between fixed and floating this week. At 1.30%, the real decision isn't about the headline Fed news, it's about your own loan structure against where SORA actually sits right now.
Give me your current loan details and I'll benchmark them against this week's rates, straight talk either way.
Ready to talk numbers?
No pitch. Just an honest conversation about your unit.
