Switch to a DBS HDB Loan and enjoy these benefits:

  • Pay less interest as compared to a HDB Concessionary Loan
  • Receive up to S$500 CapitaVouchers
  • Be one of 50 lucky winners to win an additional S$50 CapitaVouchers!

The promotional home loan packages and CapitaVouchers giveaway is only valid for completed properties with a minimum loan size of S$200,000.

CapitaVouchers you could enjoy:

Loan Amount CapitaVouchers amount
S$200,000 to S$500,000 S$200
S$500,000 to S$1,000,000 S$300
More than S$1,000,000 S$500

Check out our promotional DBS HDB loan packages:

Floating Rate Package

Year 1: Year 2: Year 3:
FHR8 + 1.45% p.a. FHR8 + 1.45% p.a. FHR8 + 1.45% p.a.
Year 4: Year 5: Thereafter :
FHR8 + 1.45% p.a. FHR8 + 1.45% p.a. FHR8 + 1.45% p.a.

2 Year Fixed Rate Package

Year 1: Year 2: Year 3:
2.38% p.a. 2.38% p.a. FHR8 + 1.88% p.a.
Year 4: Year 5: Thereafter :
FHR8 + 1.88% p.a. FHR8 + 1.88% p.a. FHR8 + 1.88% p.a.

The current FHR8 is 0.675% p.a. All rates are quoted on a per annum basis.

What’s FHR and why it’s beneficial for you

The Fixed Deposit Home Rate (FHR8) is pegged to a prevailing 8 months Singapore Dollar fixed deposit interest rate of DBS Bank, which gives you transparency and stability.

  • Transparency: Rates are pegged to a publicly known benchmark
  • Stability: Movement in the fixed deposit interest rate tends to be less volatile compared to market benchmark rates such as the SIBOR or SOR.

For fees and charges, please click here

It’s simple to switch to us

  • It’s free-of-charge as we will absorb your full legal and valuation fees
  • You can continue to use CPF funds to repay your DBS HDB loan

Switch Now

Terms and Conditions

  • Valid for online applications with a minimum loan amount of S$200,000.
  • Valid for completed residential properties in Singapore, for refinancing from another bank. Apply online by 31 December 2018 or while stocks last.
  • Upon acceptance of the home loan, the redemption letter for CapitaVouchers will be sent within 3-5 working days to your mailing address as per bank records.
  • The CapitaVouchers giveaway is valid for online applications only and is non-exchangeable, non-transferable and non-replaceable.
  • Valid with sign up of ManuProtect Decreasing policy or ManuProtect Term policy or ManuProtect Money Back or Heirloom (V) policy from Manulife (Singapore) Pte Ltd.
  • Fees will apply in the event of prepayment or redemption during the commitment period.
  • This promotion is valid for direct application to DBS Bank and not through a referral.
  • FHR8 refers to DBS Bank's prevailing 8 months Singapore Dollar fixed deposit rate for amounts between S$1,000 and S$9,999 or such other sum as we may specify.
  • DBS50 Lucky Draw Terms and Conditions apply. Click here for full details.
  • DBS may change these terms or suspend or terminate the promotion without giving any notice.
  • You consent to our collection, use and disclosure of your personal data by/to third parties for the purpose of the promotion. You agree to be bound by the terms of the DBS Privacy Policy, a copy of which can be found on www.dbs.com/privacy.


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