(Minimum loan amount requirement applies)

Year 1: 1M SORA + 0.50%

Year 2: 1M SORA + 0.50%

Year 3: 1M SORA + 0.50%

Thereafter: 1M SORA + 1.00%

– 100% Waiver of penalty due to sale

– Partial repayment allowed (up to 30% of initial loan amount)

– One time free conversion that can be exercised anytime

– Smart mortgage (up to 70% interest offset)

Cash rebate For refinancing only

Loan amount below 500K – $1,000

Loan amount above 500K – $2,000

Loan amount above 1.5M – $2,500