(Minimum loan amount requirement applies)

Year 1: 2.50% Fixed

Year 2: 2.50% Fixed

Year 3: 2.50% Fixed

Year 4: 3M SORA + 0.55%

Thereafter: 3M SORA + 1.00%

– One free conversion after lock in period

Legal subsidy for refinancing only

Loan amount above 500K – $1,800

Valuation subsidy for refinancing only

Loan amount above 500K – $350

Loan amount above 1.0M – $500