Actual interest rates: Skandia interest rates for home loan over time. Average rate per month is shown. Different lines (colours) denotes different periods of fixed rates (3 months, 1 year, 2 years, 3 years, 5 years). CBPR (Central Bank Policy Rate) and CBLR (Central Bank Lending Rate) are also shown.
Rate of change: Change (Slope) in fixed interest rates per month. Slope is computed over 3 months - 2 years (slope_2), 3 months - 3 years (slope_3) or 3 months - 5 years (slope_5).
Relative difference: Fold change (Log2 Ratio) of fixed interest rates relative to variable interest rate over time (1 year / 3 month, 2 year / 3 month, 3 year / 3 month and 5 year / 3 month ratios). Y axis value 0 can be considered as the reference (3 month rate) and other rates are relative to this.