
Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
(Must deposit 200K fresh fund for 6 months)
Year 1: 1.45% Fixed
Year 2: 1.45% Fixed
Year 3: 1M SORA + 0.30%
Year 4: 1M SORA + 0.45%
Thereafter: 1M SORA + 0.90%
- 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

Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
(Only applicable to selected properties with GREEN MARK certification)
Year 1: 1.45% Fixed
Year 2: 1.45% Fixed
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

Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.48% Fixed
Year 2: 1.48% Fixed
Year 3: 1M SORA + 0.40%
Year 4: 1M SORA + 0.55%
Thereafter: 1M 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
Floating interest rates
2 year lock-in
(Minimum loan amount requirement applies)
(Must fund 200K before loan disbursement)
Year 1: 1M SORA + 0.25%
Year 2: 1M SORA + 0.30%
Year 3: 1M SORA + 0.40%
Thereafter: 1M SORA + 0.75%
- One free conversion after 12 months
- 100% waiver of penalty due to sale
- Up to 30% partial repayment allowed during lock in
- Smart mortgage (up to 70% interest offset)
Cash rebate For refinancing only
Loan amount above 600K - $3,500