(Minimum loan amount requirement applies)

Year 1: 3M SORA + 0.50%

Year 2: 3M SORA + 0.50%

Year 3: 3M SORA + 0.60%

Thereafter: 3M SORA + 1.00%

– One free conversion after lock in period

– Must take up BOC credit card

Legal subsidy for refinancing only

– 0.40% of loan amount, capped at $1,800