OCBC Home Loans

OCBC Home Loan for Purchase of Private Property

OCBC Home Loan for Refinancing of Private Property

OCBC Home Loan for Purchase of HDB Flat

OCBC Home Loan for Refinancing of HDB Flat

Do note that the rates below are indicative. For the best home loans specific to you, please contact us or use the Finko home loan comparison.

Home Loan for Purchase of Private Property
Minimum mortgage of $100,000
Year 1	3M SORA + 0.35%
Year 2	3M SORA + 0.35%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1M SORA + 0.35%
Year 2	1M SORA + 0.35%
Year 3	1M SORA + 0.75%
Thereafter	1M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.99% (Fixed)
Year 2	1.99% (Fixed)
Year 3	1.99% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $500,000
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.90% (Fixed)
Year 2	1.90% (Fixed)
Year 3	1.90% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.65% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $700,000
Year 1	3M SORA + 0.30%
Year 2	3M SORA + 0.30%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1M SORA + 0.30%
Year 2	1M SORA + 0.30%
Year 3	1M SORA + 0.75%
Thereafter	1M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 1M SORA, which is currently at 1.2866%
Minimum mortgage of $800,000
Year 1	1M SORA + 0.28%
Year 2	1M SORA + 0.28%
Year 3	1M SORA + 0.75%
Thereafter	1M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	3M SORA + 0.28%
Year 2	3M SORA + 0.28%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.65% (Fixed)
Year 2	1.65% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.58% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $1,200,000
Year 1	1M SORA + 0.25%
Year 2	1M SORA + 0.25%
Year 3	1M SORA + 0.75%
Thereafter	1M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	3M SORA + 0.25%
Year 2	3M SORA + 0.25%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $1,500,000
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	1.80% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%

Home Loan for Refinancing of Private Property
Minimum mortgage of $100,000
Year 1	3M SORA + 0.35%
Year 2	3M SORA + 0.35%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1M SORA + 0.35%
Year 2	1M SORA + 0.35%
Year 3	1M SORA + 0.75%
Thereafter	1M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.99% (Fixed)
Year 2	1.99% (Fixed)
Year 3	1.99% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $500,000
Year 1	1.90% (Fixed)
Year 2	1.90% (Fixed)
Year 3	1.90% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.65% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $700,000
Year 1	1M SORA + 0.30%
Year 2	1M SORA + 0.30%
Year 3	1M SORA + 0.75%
Thereafter	1M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	3M SORA + 0.30%
Year 2	3M SORA + 0.30%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $800,000
Year 1	3M SORA + 0.28%
Year 2	3M SORA + 0.28%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1M SORA + 0.28%
Year 2	1M SORA + 0.28%
Year 3	1M SORA + 0.75%
Thereafter	1M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.65% (Fixed)
Year 2	1.65% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.58% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $1,000,000
Year 1	1.58% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$2,500
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $1,200,000
Year 1	3M SORA + 0.25%
Year 2	3M SORA + 0.25%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,500
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1M SORA + 0.25%
Year 2	1M SORA + 0.25%
Year 3	1M SORA + 0.75%
Thereafter	1M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,500
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 1M SORA, which is currently at 1.2866%
Minimum mortgage of $1,500,000
Year 1	1.58% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$2,800
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	1.80% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	$2,800
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%

Home Loan for Purchase of HDB Flat
Minimum mortgage of $100,000
Year 1	3M SORA + 0.35%
Year 2	3M SORA + 0.35%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1M SORA + 0.35%
Year 2	1M SORA + 0.35%
Year 3	1M SORA + 0.75%
Thereafter	1M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.99% (Fixed)
Year 2	1.99% (Fixed)
Year 3	1.99% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	2.08% (Fixed)
Year 2	2.08% (Fixed)
Year 3	2.08% (Fixed)
Thereafter	3M SORA + 0.68%
Lock-in period	5 years
Subsidy / Incentive	-
Remarks	Free conversion after 5 years Full waiver of lock-in penalty if property is sold after 12 months 50% partial redemption after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $500,000
Year 1	1.65% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.90% (Fixed)
Year 2	1.90% (Fixed)
Year 3	1.90% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $800,000
Year 1	1.65% (Fixed)
Year 2	1.65% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $1,500,000
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	1.80% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%

Home Loan for Refinancing of HDB Flat
Minimum mortgage of $100,000
Year 1	3M SORA + 0.35%
Year 2	3M SORA + 0.35%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1M SORA + 0.35%
Year 2	1M SORA + 0.35%
Year 3	1M SORA + 0.75%
Thereafter	1M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	1.99% (Fixed)
Year 2	1.99% (Fixed)
Year 3	1.99% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	-
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	-
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $300,000
Year 1	3M SORA + 0.35%
Year 2	3M SORA + 0.35%
Year 3	3M SORA + 0.75%
Thereafter	3M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1M SORA + 0.35%
Year 2	1M SORA + 0.35%
Year 3	1M SORA + 0.75%
Thereafter	1M SORA + 0.75%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion anytime Full waiver of lock-in penalty if property is sold after 24 months 50% partial prepayment limit within lock in period After the fixed-rate period, the rate will be pegged to 1M SORA, which is currently at 1.2866%
Year 1	2.08% (Fixed)
Year 2	2.08% (Fixed)
Year 3	2.08% (Fixed)
Thereafter	3M SORA + 0.68%
Lock-in period	5 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 5 years Full waiver of lock-in penalty if property is sold after 12 months 50% partial redemption after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.99% (Fixed)
Year 2	1.99% (Fixed)
Year 3	1.99% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.70% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $500,000
Year 1	1.70% (Fixed)
Year 2	1.70% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.65% (Fixed)
Year 2	3M SORA + 0.40%
Year 3	3M SORA + 0.50%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 12 months Full waiver of lock-in penalty if property is sold after 12 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.90% (Fixed)
Year 2	1.90% (Fixed)
Year 3	1.90% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $800,000
Year 1	1.65% (Fixed)
Year 2	1.65% (Fixed)
Year 3	3M SORA + 0.65%
Thereafter	3M SORA + 1.00%
Lock-in period	2 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 24 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Year 1	1.85% (Fixed)
Year 2	1.85% (Fixed)
Year 3	1.85% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%
Minimum mortgage of $1,500,000
Year 1	1.80% (Fixed)
Year 2	1.80% (Fixed)
Year 3	1.80% (Fixed)
Thereafter	3M SORA + 1.00%
Lock-in period	3 years
Subsidy / Incentive	$2,000
Remarks	Free conversion after 36 months After the fixed-rate period, the rate will be pegged to 3M SORA, which is currently at 1.1905%