SCB的是 thereafter 3M SIBOR+1.35吧？
个人觉得这个比较划算。

不妨看看从2000 年至今sibor 的变化， 再决定是否选择sibor 挂钩的配套
Domestic Interest Rates (Monthly)
Jan 2000 to Dec 2009

For full column names, please refer to the column legend at the end of this report.

End of Period COL-01
---------------------------
2000 Jan 2.50
Feb 2.44
Mar 2.38
Apr 2.50
May 2.75
Jun 2.50
Jul 2.56
Aug 2.56
Sep 2.56
Oct 2.69
Nov 2.81
Dec 2.81
2001 Jan 2.50
Feb 1.88
Mar 2.38
Apr 2.25
May 2.25
Jun 2.25
Jul 2.38
Aug 2.25
Sep 1.81
Oct 0.88
Nov 1.13
Dec 1.25
2002 Jan 1.00
Feb 0.94
Mar 1.06
Apr 0.88
May 0.88
Jun 0.88
Jul 0.75
Aug 0.88
Sep 1.38
Oct 1.06
Nov 0.81
Dec 0.81
2003 Jan 0.75
Feb 0.69
Mar 0.75
Apr 0.69
May 0.69
Jun 0.63
Jul 0.69
Aug 0.88
Sep 0.81
Oct 0.88
Nov 0.69
Dec 0.75
2004 Jan 0.75
Feb 0.75
Mar 0.75
Apr 0.75
May 0.75
Jun 0.81
Jul 1.06
Aug 1.31
Sep 1.44
Oct 1.38
Nov 1.38
Dec 1.44
2005 Jan 1.75
Feb 1.94
Mar 2.13
Apr 2.13
May 2.06
Jun 2.06
Jul 2.00
Aug 2.06
Sep 2.38
Oct 2.63
Nov 3.19
Dec 3.25
2006 Jan 3.38
Feb 3.38
Mar 3.44
Apr 3.44
May 3.44
Jun 3.56
Jul 3.56
Aug 3.50
Sep 3.44
Oct 3.50
Nov 3.44
Dec 3.44
2007 Jan 3.44
Feb 3.38
Mar 2.94
Apr 2.63
May 2.38
Jun 2.50
Jul 2.56
Aug 2.75
Sep 2.63
Oct 2.50
Nov 2.56
Dec 2.38
2008 Jan 1.69
Feb 1.56
Mar 1.31
Apr 1.44
May 1.25
Jun 1.19
Jul 1.00
Aug 1.19
Sep 1.88
Oct 1.25
Nov 0.81
Dec 1.00
2009 Jan 0.69
Feb 0.69
Mar 0.69
Apr 0.69
May 0.69

* Interest rates at the end-period are as at the end of the year or month or at the date indicated.
* Interbank rates are the closing offer rates quoted by money brokers.
* Rate is quoted as % p.a.

数字太隐晦了吧，给张曲线图大家看看
做做贡献 注：数据来自shearwater,真实性我不负责。

确实一目了然
曲线作得不错啊， 呵呵。

我的数据来自MAS
https://secure.sgs.gov.sg/apps/msbs/domesticInterestRatesForm.jsp

Interbank 3-Month

from 2000 to 2009

DBS或者Maybank都不错啊，不过你为什么不考虑浮动的呢？
现在经济不好，浮动利率到明年应该都不会上涨的。
refinance哪家银行都可以的，只要过了绑定期就没有费用。
其他细节可以看到合同以后再决定要不要啊

有理，economy还是down trend
只有2 yr-lock, 即使第二年Sibor涨到1.5，把两年的算平均，应该在2.1左右。

是不错，可我去了只给我70%
没那么多现金啊，欺负穷人555