PQP forecast for November 2026
The PQP is the average of six COE bidding results, and 5 of the six that set the November 2026 PQP are already in. So the projection below is mostly arithmetic, with a range for the one result still to come.
November 2026 PQP, by category
Assumes the one result still to come closes at the same premium as the Oct 2026, 1st bidding. The range is what you get if it moves 5% either way.
Range $128,466 to $130,633
Range $130,435 to $132,603
Range $90,996 to $92,528
Range $11,340 to $11,523
What it means for a renewal loan
Monthly instalments if you finance the whole PQP, on the October 2026 PQP and on the November 2026 projection.
| Renewal | Oct 2026 | Nov 2026 projected |
|---|---|---|
| Cat A, 10 years118 months at 2.80% flat | $1,392 | $1,401 |
| Cat A, 5 years60 months at 2.58% flat | $1,211 | $1,219 |
| Cat B, 10 years118 months at 2.80% flat | $1,423 | $1,422 |
| Cat B, 5 years60 months at 2.58% flat | $1,239 | $1,238 |
Estimates from 2.58% flat (2.80% if a 10-year renewal runs over more than 7 years), subject to lender approval. A month's difference in PQP rarely justifies renewing early, because you give up the unused part of your current COE; the early renewal calculator puts a number on it.
If the next result moves
The November 2026 PQP for each category if the one result still to come closes up or down on the Oct 2026, 1st bidding.
| Next result | Cat A | Cat B | Cat C | Cat D |
|---|---|---|---|---|
| Down 10% | $127,382 | $129,351 | $90,231 | $11,248 |
| Down 5% | $128,466 | $130,435 | $90,996 | $11,340 |
| No change | $129,549 | $131,519 | $91,762 | $11,431 |
| Up 5% | $130,633 | $132,603 | $92,528 | $11,523 |
| Up 10% | $131,716 | $133,687 | $93,294 | $11,615 |
Work out the PQP yourself
Put in the premium you expect and see the November 2026 PQP and what it does to a renewal loan.
Results already in: $123,890, $128,501, $133,009, $131,890, $130,001
How the projection works
The PQP for a month is the average of every COE premium from the three calendar months before it, which is six bidding exercises. For the November 2026 PQP those are the exercises in Aug 2026, Sep 2026 and Oct 2026. For Cat A:
- Aug 2026, 1st bidding: $123,890
- Aug 2026, 2nd bidding: $128,501
- Sep 2026, 1st bidding: $133,009
- Sep 2026, 2nd bidding: $131,890
- Oct 2026, 1st bidding: $130,001
- October 2026, 2nd bidding: not yet known, taken as $130,001
The average of those six is the projection, rounded up to the dollar: $129,549. Because each result is one sixth of the average, every $1,000 a result moves shifts the PQP by about $167.
How the projections held up
The same method, run after the first exercise of each month, against the PQP the next month actually had. On average it was 0.3% off for Cat A and B.
| PQP for | Cat A projected | Cat A actual | Diff | Cat B projected | Cat B actual | Diff |
|---|---|---|---|---|---|---|
| Oct 2026after Sep 2026, 1st bidding | $128,902 | $128,715 | +$187 | $131,949 | $131,616 | +$333 |
| Sep 2026after Aug 2026, 1st bidding | $125,440 | $126,208 | −$768 | $128,515 | $128,697 | −$182 |
| Aug 2026after Jul 2026, 1st bidding | $126,146 | $125,646 | +$500 | $128,001 | $127,835 | +$166 |
| Jul 2026after Jun 2026, 1st bidding | $123,675 | $123,315 | +$360 | $125,286 | $124,705 | +$581 |
| Jun 2026after May 2026, 1st bidding | $118,450 | $118,357 | +$93 | $120,674 | $121,218 | −$544 |
| May 2026after Apr 2026, 1st bidding | $111,489 | $112,324 | −$835 | $114,577 | $114,577 | $0 |
| Apr 2026after Mar 2026, 1st bidding | $106,796 | $107,407 | −$611 | $114,105 | $114,366 | −$261 |
| Mar 2026after Feb 2026, 1st bidding | $106,511 | $106,541 | −$30 | $116,920 | $115,938 | +$982 |
On a phone, swipe the table sideways for Cat B.
Questions
Source: LTA COE bidding results via data.gov.sg. A projection, not advice. The PQP is published by LTA.
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