What is SORA? Is SORA or Fixed Rate Better in 2025?

In short, choose fixed if you value peace of mind. Choose SORA if you want to ride the market downward.

SORA (Singapore Overnight Rate Average) is fast becoming the dominant benchmark for floating-rate home loans in Singapore. It is grounded in actual overnight interbank lending volumes, making it more transparent and stable. With global interest rates easing, SORA is flexing its potential as a smarter, fairer benchmark