Available Home Loan Packages as of February 2026

Floating interest rates

2 year lock-in

(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.30%
Year 2: 3M SORA + 0.30%
Year 3: 3M SORA + 0.50%
Thereafter: 3M SORA + 0.75%
- One free conversion after 12 months
- Up to 50% partial repayment is allowed during lock-in
- 50% waiver of penalty due to sale and refund another 50% if return with new loan of equal/greater amount within 6 months
- 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

Floating interest rates

2 year lock-in

(Minimum loan amount requirement applies)
Year 1: 3M SORA + 0.30%
Year 2: 3M SORA + 0.30%
Thereafter: 3M SORA + 1.00%
- One free conversion after 12 months
- Up to 50% partial payment is allowed during lock-in
Legal and valuation subsidy for refinancing only
- 0.4% of loan amount, capped at $2,500

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: 1M SORA + 1.00%
- One free conversion after lock in
Cash rebate For refinancing only
Loan amount below 500K - $1,000
Loan amount above 500K - $2,000
Loan amount above 1.5M - $2,500

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