The HDB concessionary loan rate stays at 2.6% from 1 July to 30 September 2026. Unchanged, again. It's pinned 0.1% above the CPF Ordinary Account rate, and the OA is sitting at its 2.5% floor. So the rate that sets your HDB repayment isn't tracking the market. It's tracking a floor.
Everything's parked at the floor
Three rates, all sitting at their legal minimum this quarter:
| Rate (1 Jul–30 Sept 2026) | Per annum |
|---|---|
| HDB concessionary housing loan | 2.6% |
| CPF Ordinary Account | 2.5% |
| CPF Special, MediSave, Retirement | 4% |
The OA rate can't fall below 2.5%; the Special, MediSave and Retirement rate can't fall below 4%. Both market pegs are currently under those floors, so the floor is what you get. The HDB loan rate is just OA plus 0.1%, which lands at 2.6%.