(Minimum loan amount requirement applies)

Year 1: 4.25% Fixed

Year 2: 3M SORA + 0.75%

Year 3: 3M SORA + 0.85%

Thereafter: 3M SORA + 1.00%

– One free conversion after 12 months to fixed rate only

Legal and valuation subsidy for refinancing only

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