For residential, the most popular loan packages now are those that prices loan interest with Sibor 1-mth + premium and still allows you to switch to Sibor 6-mth or 12-mth, in the event that the interest rate yield curve goes crazy during market meltdown; damage will be limited.
In a peaceful market short-term Sibor rates (eg 1-mth, 3-mth) are usually lower than long term, just like bank fixed deposits; the longer the maturity, the higher the interest.
When money supply is right during market crash, it will be vice-versa. This is where such loan packages can be helpful.
