Loan Interest

Fixed rates or SORA? Would you sacrifice $465 monthly to be able to start investing $150,000 now? Are you paying a "procrastination tax" to your bank? In 2026, if you haven't reviewed your mortgage, you could be missing out on potentially over $15,000 in net gains over the next 3 years. As we enter this new multi-year cycle, the math between HDB loans, fixed rates, and SORA has officially flipped. In this video, I break down the "Double Whammy" effect and show you why, in this specific market, more debt might actually be your best wealth strategy. Timestamps: 00:00 Intro 00:54 The more you borrow the less you pay? 01:32 The year of the interest flip 02:23 Enter SORA and why not fixed rates 03:18 Why refinance now? 04:15 Why holding off your mortgage makes more sense now 04:59 Example of lower and higher loan amount 05:58 The myth of saving on mortgage 05:58 Outcome of the example 3 years later 09:20 Formula to count efficiency wealth 10:26 3 rules of thumb when executing this 11:09 HDB vs bank loans 12:25 Summary