
Fixed interest rates
3 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.50% Fixed
Year 2: 1.50% Fixed
Year 3: 1.50% Fixed
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- No need to pay bank's fire insurance for MCST property
Cash rebate for refinancing only
Private Loan amount above 500K - $2,000
Private Loan amount above 1.0M - $2,500
Private Loan amount above 1.5M - $2,800

Fixed interest rates
2 year lock-in
(Minimum loan amount requirement applies)
Year 1: 1.50% Fixed
Year 2: 1M SORA + 0.35%
Year 3: 1M SORA + 0.40%
Year 4: 1M SORA + 0.55%
Thereafter: 1M SORA + 1.00%
- One free conversion after 12 months
- Up to 50% partial repayment is allowed 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: 1.50% Fixed
Year 2: 1M SORA + 0.35%
Year 3: 1M SORA + 0.40%
Year 4: 1M SORA + 0.55%
Thereafter: 1M SORA + 1.00%
- One free conversion after 12 months
- Up to 50% partial repayment is allowed 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: 1.50% Fixed
Year 2: 1.50% Fixed
Year 3: 3M SORA + 0.50%
Thereafter: 3M SORA + 1.00%
- One free conversion after lock in period
- No need to pay bank's fire insurance for MCST property
Cash rebate for refinancing only
Private Loan amount above 500K - $2,000
Private Loan amount above 1.0M - $2,500
Private Loan amount above 1.5M - $2,800