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In Channelnewsasia, it is reported that the 3-months Sibor will increase from 1.13% to 1.22% by the end of this year and 1.75% in a year's time. If you are taking a bank mortgage loan, you may want to consider a fixed-rate package to protect you against the increase of interest rates. That was exactly what I did. My loan was well over 2% because of Sibor, and I refinanced it to a 2 years fixed-rate package at 1.68% for the first year. I got the deal through my mortgage broker who helps to group me and neighbours home loans together and talk to the banks on our behalf. If you are interested, you may PM me or drop me a mail at almondpoh@gmail.com. By the way, how do you PM someone in the forum? I tried but I can't seem to find a way. I would appreciate it if someone can teach me how. Thanks!