(Minimum loan amount requirement applies)

Year 1: 3M SORA + 0.65%

Year 2: 3M SORA + 0.65%

Year 3: 3M SORA + 0.75%

Thereafter: 3M SORA + 1.00%

– 50% interest offset account

– Pegged to 3M SORA with monthly refresh

Legal subsidy for refinancing only

– 0.20% of loan amount, capped at $2,500