(Minimum loan amount requirement applies)

Year 1: 3M SORA + 0.55%

Year 2: 3M SORA + 0.55%

Year 3: 3M SORA + 0.60%

Thereafter: 3M SORA + 1.00%

– One free conversion after 12 months

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