(Minimum loan amount requirement applies)

Year 1: 3.15% Fixed

Year 2: 3.05% Fixed

Year 3: 3M SORA + 0.70%

Thereafter: 3M SORA + 1.00%

– One time free conversion after lock in

Subsidy is applicable to both purchase and refinancing

– Legal subsidy 0.30% of loan amount, capped at $2,000

– Valuation subsidy $500 for loan amount above 800K