Chris @HoneyMoneySG

🏠 Cashew x HoneyMoneySG Mortgage Update – 20 Feb 2026
Compare rates here: hmsg.link/cashew

After CNY gatherings where many of you were discussing home loans, property prices and interest rates… the question I kept hearing was:

“Is it finally time to act?”

With the latest bank rates, the numbers are getting very compelling.

Here are today’s best rates:

📌 2-Year Fixed
• 1.40% ($500K)
• 1.35% ($1M / $2M)

📌 3-Year Fixed
• 1.50% ($500K)
• 1.40% ($1M / $2M)

📌 Floating
• 1.33% ($500K)
• 1.09% ($1M)
• 1.29% ($2M)

For context, the HDB loan remains at 2.6%.

On a $500K loan over 20 years, moving from 2.6% to around 1.3% to 1.5% can mean roughly $3,000 to $4,000 in interest savings per year, especially in the earlier years when your outstanding balance is higher.

These are not stock market returns. These are guaranteed interest savings if the numbers work after factoring in lock in and legal subsidies.

Yes, once you switch out of HDB you cannot switch back. But staying put also has a cost, and that cost compounds quietly year after year.

If you were discussing refinancing during CNY but have not taken action yet, this window is worth reviewing seriously.

✨ How to use Cashew:
Enter your loan details once and Cashew compares bank packages, rates and cashback offers across banks for you.

👉 Check refinancing options: hmsg.link/refinance

👉 Discuss more: t.me/honeymoneysg
👉 More referral deals: t.me/sgpromocode

12 hours ago | [YT] | 3

Chris @HoneyMoneySG

🧧 SingSaver CNY FLASH DEAL: Extra S$68 eCapitavoucher🧧
Gong Xi Fa Cai! SingSaver’s Credit Card CNY Flash Deal has officially started today, 19 February 2026. If you have been waiting to snag a new card, now is the time to strike for those extra bonuses.

🚀 The Daily S$68 Bonus Be among the first 8 eligible customers at 2 PM or 8 PM today across all participating products to receive a S$68 eCapitaVoucher Bonus on top of your base reward.

💳 Top Rewards Highlights
Citi Credit Cards hmsg.link/citiss
* S$380 Cash via PayNow
* Dyson Airstrait™ (worth S$799)
* Apple Watch SE Gen 3 40mm (GPS)

HSBC Credit Cards hmsg.link/singsaverhsbc
* S$400 Cash via PayNow
* Dyson Airstrait™ (worth S$799)
* Apple Watch SE Gen 3 40mm (GPS+Cell)

OCBC Credit Cards
* S$370 Cash via PayNow
* Dyson Airstrait™ (worth S$799)
* Round trip to Bali (via Miles/OCBC$)
* S$250 Cash + Xiaomi Luggage Bundle
- OCBC 365 hmsg.link/ocbc365
- OCBC Rewards hmsg.link/ocbcrewards
- OCBC 90N Mastercard hmsg.link/ocbc90nmc
- OCBC 90N VISA hmsg.link/ocbc90nv
- OCBC Infinity hmsg.link/ocbcinfinity


📅 Promo Period: 19 to 26 February 2026
🔥 Ready to apply? The first window opens at 2 PM sharp!

👉 Discuss more t.me/honeymoneysg
👉 More referral t.me/sgpromocode

1 day ago | [YT] | 4

Chris @HoneyMoneySG

🏆 Win 200g of Gold or S$38,888 Cash with Syfe!

Syfe just launched their biggest giveaway ever. One lucky winner will choose between 200g of Physical Gold or S$38,888 in Cash.
If you’ve been waiting for a sign to start investing, this is it.

✨ How to Join in 3 Simple Steps:
1. Sign Up: Use my unique code GOLD88HM
2. Deposit: Add at least S$3,888 in fresh funds by 31 March 2026.
3. Hold: Keep the funds in your account from 1 April to 29 June 2026.

🎁 Guaranteed Rewards
When you fund your first S$3,888 as a new user, you automatically get:
* 2 Lucky Draw Entries (Double the chances!)
* Managed Portfolios: 8 months of fee waivers
* Brokerage: 3 months of commission-free US trades

💡 Pro-Tip for More Entries:
Every S$3,888 you maintain earns you 2 entries. The more you fund (in Managed Portfolios or the Brokerage), the higher your chances of winning that gold!

⚠️ Important Note: To qualify, use fresh funds (bank transfer).
Deposits into SRS, Equity Alpha, or Cash+ portfolios are not included in this giveaway.

🔗 Get Started Here: www.syfe.com/campaign/golden-giveaway-2026
📜 Full T&Cs: www.syfe.com/magazine/new-existing-client-exclusiv…

👉 Discuss more t.me/honeymoneysg
👉 More referral t.me/sgpromocode
T&Cs: www.poems.com.sg/welcome-gifts/

2 days ago | [YT] | 2

Chris @HoneyMoneySG

🚀 POEMS CNY Offer: Up to S$250 in Stock Coupons + Bonus Gifts!
📝 POEMS Cash Plus: hmsg.link/poems
🎥 Why I moved my CPF Portfolio to POEMS? https://youtu.be/VjCjC66J6R4

As of today, Wednesday, 18 Feb 2026, the POEMS Lunar New Year promotion has entered a new weekly cycle. The current featured stock for the "First 50" bonus is Berkshire Hathaway Inc Class B (BRK.B). If you are one of the first 50 people to open a new account this week, you could score a S$50 Stock Coupon specifically for BRK.B.

🧧 Promo Update: Weekly "First 50" Bonus
* Current Cycle: 17 Feb – 23 Feb 2026
* Featured Stock: Berkshire Hathaway Inc Class B (BRK.B)
* Reward: S$50 Stock Coupon
* Next Cycle: 24 Feb – 2 Mar 2026 (Honeywell - HON)

💻 What is Berkshire Hathaway (BRK.B)?
Berkshire Hathaway is one of the world's largest holding companies, led by legendary investor Warren Buffett. It offers exposure to a massive, diversified portfolio of businesses:

* Insurance Giants: GEICO and Berkshire Hathaway Reinsurance Group provide a steady "float" of capital that the company uses for long term investments.

* Industrial & Energy: BNSF Railway and Berkshire Hathaway Energy are core infrastructure plays that generate consistent cash flow.

* Massive Stock Portfolio: Berkshire holds significant stakes in blue chip companies like Apple, American Express, and Coca Cola, effectively acting as a diversified investment fund for shareholders.

Account Funding Tiers (Deposit within 14 days, hold for 30 days):
* Fund S1,000:S10 Stock Coupon
* Fund S5,000:S100 Stock Coupons (5x S$20)
* Fund S20,000:S250 Stock Coupons (5x S$50)

Important: You must opt in to CFD & SMART Park (Excess Funds Management) during your application to qualify for the maximum rewards.

Exclusive Perks:
* Zero US commissions for 30 days.
* 0% Unit Trust sales charge.
* Free live prices (SGX, US, MY, TH).

Sign up 📝 POEMS Cash Plus: hmsg.link/poems

👉 Discuss more t.me/honeymoneysg
👉 More referral t.me/sgpromocode
T&Cs: www.poems.com.sg/welcome-gifts/

2 days ago | [YT] | 4

Chris @HoneyMoneySG

Happy Chinese New Year, everyone! 🧧 Today officially marks the start of the Year of the Horse, so it’s time to put that high-octane energy into our portfolios.

Wishing you all 龙马精神 (Lóng Mǎ Jīng Shén) may you have the tireless drive to keep building those passive income streams and side hustles.

Most importantly, 马到成功 (Mǎ Dào Chéng Gōng). May your investment strategies lead to instant success the moment you execute them. Let’s make 2026 the year we all get closer to FIRE! 🍊🍊

3 days ago | [YT] | 5

Chris @HoneyMoneySG

📣 CMC Invest x SingSaver Promo: Rewards Up to S$802
Sign up 👉 hmsg.link/cmcinvest

💵 SingSaver Exclusive
• S$20 Cash or 1300 Max Miles (till 1 Mar 2026)
• New CMC users only, must apply via SingSaver
• Stackable with CMC welcome offers

🎁 CMC Stackable Welcome Offer

Offer 1 (choose 1):
• Deposit ≥ S$888 + 3 buy trades → 1x TENCENT share (0700)
• Deposit ≥ S$1888 + 8 buy trades → 1x ALIBABA share (9988)

Offer 2: Free stock (choose 1 based on funding and trades, within 90 days):
• Palantir S$199 → Deposit 3K + 3 trades
• Tesla S$430 → Deposit 10K + 3 trades of 3K
• Microsoft S$651 → Deposit 30K + 8 trades of 3K
(Values illustrative, only 1 stock rewarded)

✅ New users only | Complete deposits + trades | Avoid withdrawals

💹 Sign up with CMC Invest: hmsg.link/cmcinvest
🔗 See other brokerage promotions: hmsg.link/investing

👉 Discuss more: t.me/honeymoneysg
👉 More referral links: t.me/sgpromocode
T&Cs: singsaver.link/stk-rewards-campaign

6 days ago | [YT] | 3

Chris @HoneyMoneySG

📶 FLASH DEAL: ZYM Mobile Roam Plus $10.10 plan
Use code HONEY on zym.sg/

🧧 CNY Flash Deal is Here! 🧧
Start the new year with more savings and more data!

🎉 FREE 3rd Month when you port in from Non-Singtel network
💰 Save more this CNY and stay connected!

🔥 What you’ll get:
✅ 300GB Local 4G data
✅ 12GB shared roaming data monthly across 13 destinations
✅ 600GB shared roaming to Malaysia & Indonesia (one-time, valid 365 days)
✅ [New to ZYM customer Bonus]FREE 5G+ trial network for first 180 days

Don’t miss this limited-time CNY special!
Port in now and enjoy the HUAT deal 🎊
Promo Period: 13 Feb to 3 Mar

Get your SIM Now
👉 Sign up: order.zym.sg/723f9b94-1f9f-4fdd-954d-caaa92dea9c4?…
👉 I use ZYM too, featured here: https://youtu.be/nNEb8JDNtQQ

1 week ago | [YT] | 5

Chris @HoneyMoneySG

🧧YouBiz: S$88 Cash for new users (2 days)🧧
- YouBiz Code: YOUKEFPi5vn @ hmsg.link/youbiz

Quick win for the biz owners here!
I just saw that YouBiz upsized their referral bonus to S$88 for the Lunar New Year, but the promo ends in just a couple of days (15 Feb).

If you’ve been looking for a business account with no annual fees and 1% cashback, this is a great time to set it up just to grab the extra cash.

How to get the S$88:
1. Sign up via the link below by 15 February.
2. Spend at least S$5 on your new card within 14 days of approval.
3. We both get S$88 credited to our accounts (S$50 standard + S$38 bonus).

It is a super low barrier (literally a $5 coffee or a small subscription payment) to get nearly $90 back. Just wanted to share the lobang before it expires on Sunday!

🔗 Sign up here: hmsg.link/youbiz Code: YOUKEFPi5vn
Solo Biz Free Course preview: hmsg.link/solobiz

👉 Discuss more t.me/honeymoneysg
👉 More referral t.me/sgpromocode

1 week ago | [YT] | 4

Chris @HoneyMoneySG

💳 HSBC Revolution 4 mpd promo EXTENDED till 31 Mar 2026
- HSBC Revolution (SingSaver) 🔗 hmsg.link/hsbcrevolution
- HSBC Official🔗 hmsg.link/hsbccard
✅ Video review: https://youtu.be/xQnzaWQUGgg 

From now till 31 Mar 2026 👉 still one of the best no-fee cards:
✅ 4 mpd on Travel (airlines, hotels, cruises, car rentals)
✅ 4 mpd on Contactless (payWave, Apple/Google Pay)
💰 Bonus cap raised to $1,500/mth (was $1,000)

⚠️ Watch out:
* No 4 mpd for OTAs (MCC 4722 Airbnb, Klook)
* No fast food (MCC 5814)
* KrisFlyer transfers less value (3.33 mpd vs 4 mpd to other partners). I prefer EVA or BA instead.

🎁 Welcome Gifts (new-to-HSBC)
* HSBC: Samsonite luggage / cashback hmsg.link/hsbccard
* SingSaver: Dyson products, 25,000 Max miles, $400 cash and more hmsg.link/hsbcrevolution

👉 Discuss more t.me/honeymoneysg 
👉 More referral t.me/sgpromocode
Source: www.hsbc.com.sg/content/dam/hsbc/sg/documents/cred…

1 week ago (edited) | [YT] | 7

Chris @HoneyMoneySG

🔥 Budget 2026 Livestream 9pm: Ask your questions!

📅 12 Feb Thursday, 9pm (TODAY)
📍 YouTube Livestream

Topic: Singapore Budget 2026 summary

Subscribe ✅ youtube.com/@HoneyMoneySG?sub_confirmation=1

1 week ago | [YT] | 4