Generally, in case of a commercial loan, the APR is plus or minus points on top of the LPR, which is currently 4.3%, and the plus point value is generally negative, so the actual interest rate is generally lower than the LPR.In case of a CPF loan, the interest rate will be a bit lower, with the interest rate for the first suite of more than 5 years at 3.25%, and the interest rate for the second suite of less than 5 years at 2.75%. interest rate is 10% above that of the first suite.