1.02% (First year)


$ 322 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Valuation subsidy: Up to $500
  • For own business use.

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.580% = 1.02%
    • $ 322/mth
    • Year 2
    • 3M SIBOR + 0.580% = 1.02%
    • $ 322/mth
    • Year 3
    • 3M SIBOR + 1.380% = 1.82%
    • $ 358/mth
    • Year 4
    • 3M SIBOR + 1.380% = 1.82%
    • $ 358/mth
    • Year 5
    • 3M SIBOR + 1.380% = 1.82%
    • $ 358/mth
    • Year 6+
    • 3M SIBOR + 1.380% = 1.82%
    • $ 358/mth


1.09% (First year)


$ 326 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Min loan for PB Client: $1,200,000
  • 1 X Free Conversion after TOP
  • MortgageOne Interest Offset Feature (Spread + 0.05% Throughout)

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.650% = 1.09%
    • $ 326/mth
    • Year 2
    • 3M SIBOR + 0.650% = 1.09%
    • $ 326/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth


1.09% (First year)


$ 326 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Min loan for PB Client: $1,200,000
  • Refinancing Only
  • Min Loan $600k
  • Valuation Subsidy $350
  • Min Loan $1m
  • Valuation Subsidy $500
  • Choose
  • Free Conversion after Lock-in
  • or
  • Waiver of Penalty Due to Sale (For SIBOR Only)
  • Private Only
  • MortgageOne Interest Offset Feature (Spread + 0.05% Throughout)

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.650% = 1.09%
    • $ 326/mth
    • Year 2
    • 3M SIBOR + 0.650% = 1.09%
    • $ 326/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth


1.14% (First year)


$ 328 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Min loan for PB Client: $800,000
  • Refinancing Only
  • Min Loan $600k
  • Valuation Subsidy $350
  • Min Loan $1m
  • Valuation Subsidy $500
  • Choose
  • Free Conversion after Lock-in
  • or
  • Waiver of Penalty Due to Sale (For SIBOR Only)
  • Private Only
  • MortgageOne Interest Offset Feature (Spread + 0.05% Throughout)

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.700% = 1.14%
    • $ 328/mth
    • Year 2
    • 3M SIBOR + 0.700% = 1.14%
    • $ 328/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth


1.14% (First year)


$ 328 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Min loan for PB Client: $800,000
  • 1 X Free Conversion after TOP
  • MortgageOne Interest Offset Feature (Spread + 0.05% Throughout)

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.700% = 1.14%
    • $ 328/mth
    • Year 2
    • 3M SIBOR + 0.700% = 1.14%
    • $ 328/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth


1.15% (First year)


$ 329 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Board + 1.150% = 1.15%
    • $ 329/mth
    • Year 2
    • Board + 1.150% = 1.15%
    • $ 329/mth
    • Year 3
    • Board + 1.650% = 1.65%
    • $ 351/mth
    • Year 4
    • Board + 2.280% = 2.28%
    • $ 379/mth
    • Year 5
    • Board + 2.280% = 2.28%
    • $ 379/mth
    • Year 6+
    • Board + 2.280% = 2.28%
    • $ 379/mth


1.15% (First year)


$ 329 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Board + 1.150% = 1.15%
    • $ 329/mth
    • Year 2
    • Board + 1.200% = 1.20%
    • $ 331/mth
    • Year 3
    • Board + 1.250% = 1.25%
    • $ 333/mth
    • Year 4
    • Board + 2.280% = 2.28%
    • $ 379/mth
    • Year 5
    • Board + 2.280% = 2.28%
    • $ 379/mth
    • Year 6+
    • Board + 2.280% = 2.28%
    • $ 379/mth


1.19% (First year)


$ 330 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Min loan for PB Client: $600,000
  • 1 X Free Conversion after TOP
  • MortgageOne Interest Offset Feature (Spread + 0.05% Throughout)

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 2
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth


1.19% (First year)


$ 330 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Min loan for PB Client: $600,000
  • Refinancing Only
  • Min Loan $600k
  • Valuation Subsidy $350
  • Min Loan $1m
  • Valuation Subsidy $500
  • Choose
  • Free Conversion after Lock-in
  • or
  • Waiver of Penalty Due to Sale (For SIBOR Only)
  • Private Only
  • MortgageOne Interest Offset Feature (Spread + 0.05% Throughout)

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 2
    • 3M SIBOR + 0.750% = 1.19%
    • $ 330/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 341/mth


1.24% (First year)


$ 333 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • - 1 x Free Conversion from 1st Disbursement
  • - 1 x Free Conversion from TOP
  • - Partial Payment on interest reset date
  • - Waiver of Cancellation Fee due to sale

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 2
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 3
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 4
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 5
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth
    • Year 6+
    • 3M SIBOR + 0.800% = 1.24%
    • $ 333/mth


1.25% (First year)


$ 333 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • - One time free conversion within 6 mths from TOP
  • - SmartMortgage Interest Offset Feature

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 2
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 3
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 4
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 5
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 6+
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth


1.25% (First year)


$ 333 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • - 1 x Free Conversion Anytime
  • - SmartMortgage interest offset feature (Not applicable for Equity Loan)
  • - Partial Payment up to 30% of Original Loan amount during lock in
  • - 100% Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 2
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 3
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 4
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 5
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth
    • Year 6+
    • 1M SIBOR + 1.000% = 1.25%
    • $ 333/mth


1.25% (First year)


$ 333 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion if Board Rate Increase
  • Home Plus Saving Account - 1% interest for first $5m deposits

RATES AND PAYMENTS

    • Year 1
    • Board + 1.250% = 1.25%
    • $ 333/mth
    • Year 2
    • Board + 1.350% = 1.35%
    • $ 338/mth
    • Year 3
    • Board + 1.350% = 1.35%
    • $ 338/mth
    • Year 4
    • Board + 2.280% = 2.28%
    • $ 379/mth
    • Year 5
    • Board + 2.280% = 2.28%
    • $ 379/mth
    • Year 6+
    • Board + 2.280% = 2.28%
    • $ 379/mth


1.29% (First year)


$ 335 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Min loan for PB Client: $100,000
  • Refinancing Only
  • Min Loan $600k
  • Valuation Subsidy $350
  • Min Loan $1m
  • Valuation Subsidy $500
  • Choose
  • Free Conversion after Lock-in
  • or
  • Waiver of Penalty Due to Sale (For SIBOR Only)
  • Private Only
  • MortgageOne Interest Offset Feature (Spread + 0.05% Throughout)

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 2
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 3
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 4
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 5
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 6+
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth


1.29% (First year)


$ 335 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Min loan for PB Client: $100,000
  • 1 X Free Conversion after TOP
  • MortgageOne Interest Offset Feature (Spread + 0.05% Throughout)

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 2
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 3
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 4
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 5
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 6+
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth


1.29% (First year)


$ 335 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • - 1 time free conversion
  • - No valuation report required.

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 2
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 3
    • 3M SIBOR + 1.250% = 1.69%
    • $ 353/mth
    • Year 4
    • 3M SIBOR + 1.250% = 1.69%
    • $ 353/mth
    • Year 5
    • 3M SIBOR + 1.250% = 1.69%
    • $ 353/mth
    • Year 6+
    • 3M SIBOR + 1.250% = 1.69%
    • $ 353/mth


1.29% (First year)


$ 335 (First year)


1 year Lock-in Period
3M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 2
    • 3M SIBOR + 0.850% = 1.29%
    • $ 335/mth
    • Year 3
    • 3M SIBOR + 1.250% = 1.69%
    • $ 353/mth
    • Year 4
    • 3M SIBOR + 1.250% = 1.69%
    • $ 353/mth
    • Year 5
    • 3M SIBOR + 1.250% = 1.69%
    • $ 353/mth
    • Year 6+
    • 3M SIBOR + 1.250% = 1.69%
    • $ 353/mth


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • - 1 x Free Conversion Anytime
  • - SmartMortgage interest offset feature (Not applicable for Equity Loan)
  • - Partial Payment up to 30% of Original Loan amount during lock in
  • - 50% Waiver of Penalty Due to Sale

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 2
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 3
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 4
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 5
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 6+
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth


1.30% (First year)


$ 336 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • - One time free conversion within 6 mths from TOP
  • - SmartMortgage Interest Offset Feature

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 2
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 3
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 4
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 5
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth
    • Year 6+
    • 1M SIBOR + 1.050% = 1.30%
    • $ 336/mth


1.30% (First year)


$ 336 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Availability Period 4 months only
  • - Free Conversion within 3months from lock-in expiry
  • Loan Amt > $750k
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 2
    • Fixed Rate = 1.30%
    • $ 336/mth
    • Year 3
    • Board + 2.000% = 2.00%
    • $ 367/mth
    • Year 4
    • Board + 2.000% = 2.00%
    • $ 367/mth
    • Year 5
    • Board + 2.000% = 2.00%
    • $ 367/mth
    • Year 6+
    • Board + 2.000% = 2.00%
    • $ 367/mth


1.35% (First year)


$ 338 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.100% = 1.35%
    • $ 338/mth
    • Year 2
    • 1M SIBOR + 1.100% = 1.35%
    • $ 338/mth
    • Year 3
    • 1M SIBOR + 1.100% = 1.35%
    • $ 338/mth
    • Year 4
    • 1M SIBOR + 1.100% = 1.35%
    • $ 338/mth
    • Year 5
    • 1M SIBOR + 1.100% = 1.35%
    • $ 338/mth
    • Year 6+
    • 1M SIBOR + 1.100% = 1.35%
    • $ 338/mth


1.35% (First year)


$ 338 (First year)


No Lock-in Lock-in Period
FHR24(DBS) Rate Type

FEATURES

  • 1 x Free Conversion During Progressive Payment
  • 1 x Free Conversion Wtihin 6mth from TOP

RATES AND PAYMENTS

    • Year 1
    • FHR24(DBS) + 0.450% = 1.35%
    • $ 338/mth
    • Year 2
    • FHR24(DBS) + 0.450% = 1.35%
    • $ 338/mth
    • Year 3
    • FHR24(DBS) + 0.450% = 1.35%
    • $ 338/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth


1.35% (First year)


$ 338 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Refinancing Only
  • Min Loan $600k
  • Valuation Subsidy $350
  • Min Loan $1m
  • Valuation Subsidy $500
  • Choose
  • Free Conversion after Lock-in
  • or
  • Waiver of Penalty Due to Sale (For SIBOR Only)

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 2
    • Fixed Rate = 1.35%
    • $ 338/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth


1.35% (First year)


$ 338 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion if Board Rate Increase
  • Home Plus Saving Account - 1% interest for first $5m deposits

RATES AND PAYMENTS

    • Year 1
    • Board + 1.350% = 1.35%
    • $ 338/mth
    • Year 2
    • Board + 1.350% = 1.35%
    • $ 338/mth
    • Year 3
    • Board + 1.650% = 1.65%
    • $ 351/mth
    • Year 4
    • Board + 2.280% = 2.28%
    • $ 380/mth
    • Year 5
    • Board + 2.280% = 2.28%
    • $ 380/mth
    • Year 6+
    • Board + 2.280% = 2.28%
    • $ 380/mth


1.35% (First year)


$ 338 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Step Up Package

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.100% = 1.35%
    • $ 338/mth
    • Year 2
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 3
    • 1M SIBOR + 1.200% = 1.45%
    • $ 343/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.37% (First year)


$ 339 (First year)


1 year Lock-in Period
SORA Rate Type

FEATURES

  • - Free Conversion After Lock In
  • - 50% Partial Payment Penalty Waiver

RATES AND PAYMENTS

    • Year 1
    • SORA + 1.280% = 1.37%
    • $ 339/mth
    • Year 2
    • SORA + 1.280% = 1.37%
    • $ 339/mth
    • Year 3
    • Board + 1.880% = 1.88%
    • $ 362/mth
    • Year 4
    • Board + 1.880% = 1.88%
    • $ 362/mth
    • Year 5
    • Board + 1.880% = 1.88%
    • $ 362/mth
    • Year 6+
    • Board + 1.880% = 1.88%
    • $ 362/mth


1.38% (First year)


$ 339 (First year)


5 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • 5 Years Flat Package

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.130% = 1.38%
    • $ 339/mth
    • Year 2
    • 1M SIBOR + 1.130% = 1.38%
    • $ 339/mth
    • Year 3
    • 1M SIBOR + 1.130% = 1.38%
    • $ 339/mth
    • Year 4
    • 1M SIBOR + 1.130% = 1.38%
    • $ 339/mth
    • Year 5
    • 1M SIBOR + 1.130% = 1.38%
    • $ 339/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 344/mth


1.38% (First year)


$ 339 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Availability Period 4 months only
  • - Free Conversion within 3months from lock-in expiry
  • Loan Amt > $750k
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.38%
    • $ 339/mth
    • Year 2
    • Fixed Rate = 1.38%
    • $ 339/mth
    • Year 3
    • Board + 2.000% = 2.00%
    • $ 368/mth
    • Year 4
    • Board + 2.000% = 2.00%
    • $ 368/mth
    • Year 5
    • Board + 2.000% = 2.00%
    • $ 368/mth
    • Year 6+
    • Board + 2.000% = 2.00%
    • $ 368/mth


1.40% (First year)


$ 340 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • 4 Years Flat Package

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 2
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 3
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 4
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.40% (First year)


$ 340 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

    • Year 1
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 2
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 3
    • Board + 1.400% = 1.40%
    • $ 340/mth
    • Year 4
    • Board + 2.200% = 2.20%
    • $ 376/mth
    • Year 5
    • Board + 2.200% = 2.20%
    • $ 376/mth
    • Year 6+
    • Board + 2.200% = 2.20%
    • $ 376/mth


1.44% (First year)


$ 342 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • - Waiver of Partial Payment Penalty for 1st 50% of loan
  • - Free Conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 2
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth


1.45% (First year)


$ 343 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Step Down Package

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.200% = 1.45%
    • $ 343/mth
    • Year 2
    • 1M SIBOR + 1.150% = 1.40%
    • $ 340/mth
    • Year 3
    • 1M SIBOR + 1.100% = 1.35%
    • $ 338/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.45% (First year)


$ 343 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Refinancing Only
  • Min Loan $600k
  • Valuation Subsidy $350
  • Min Loan $1m
  • Valuation Subsidy $500
  • Choose
  • Free Conversion after Lock-in
  • or
  • Waiver of Penalty Due to Sale (For SIBOR Only)

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth


1.45% (First year)


$ 343 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.45% (First year)


$ 343 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Existing CIMB Preferred Customer ($250k AUM to qualify)

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.200% = 1.45%
    • $ 343/mth
    • Year 2
    • 1M SIBOR + 1.200% = 1.45%
    • $ 343/mth
    • Year 3
    • 1M SIBOR + 1.200% = 1.45%
    • $ 343/mth
    • Year 4
    • 1M SIBOR + 1.550% = 1.80%
    • $ 358/mth
    • Year 5
    • 1M SIBOR + 1.550% = 1.80%
    • $ 358/mth
    • Year 6+
    • 1M SIBOR + 1.550% = 1.80%
    • $ 358/mth


1.45% (First year)


$ 343 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Availability Period 4 months only
  • - Free Conversion within 3months from lock-in expiry
  • Loan Amt > $750k
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 4
    • Board + 2.000% = 2.00%
    • $ 367/mth
    • Year 5
    • Board + 2.000% = 2.00%
    • $ 367/mth
    • Year 6+
    • Board + 2.000% = 2.00%
    • $ 367/mth


1.45% (First year)


$ 343 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.45% (First year)


$ 343 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 2
    • Fixed Rate = 1.45%
    • $ 343/mth
    • Year 3
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 4
    • Board + 2.200% = 2.20%
    • $ 377/mth
    • Year 5
    • Board + 2.200% = 2.20%
    • $ 377/mth
    • Year 6+
    • Board + 2.200% = 2.20%
    • $ 377/mth


1.45% (First year)


$ 343 (First year)


1 year Lock-in Period
Board Rate Type

FEATURES

  • - 1 x Free Conversion after 1 year lock in or when MBR increase
  • - Waiver of Partial Payment Penalty for 1st 50% of loan

RATES AND PAYMENTS

    • Year 1
    • Board + 1.450% = 1.45%
    • $ 343/mth
    • Year 2
    • Board + 1.550% = 1.55%
    • $ 347/mth
    • Year 3
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 4
    • Board + 1.950% = 1.95%
    • $ 365/mth
    • Year 5
    • Board + 1.950% = 1.95%
    • $ 365/mth
    • Year 6+
    • Board + 1.950% = 1.95%
    • $ 365/mth


1.45% (First year)


$ 343 (First year)


1 year Lock-in Period
Board Rate Type

FEATURES

  • - 1 x Free Conversion after 1 year lock in or when MBR increase
  • - Waiver of Partial Payment Penalty for 1st 50% of loan Free Conversion if MBR increase

RATES AND PAYMENTS

    • Year 1
    • Board + 1.450% = 1.45%
    • $ 343/mth
    • Year 2
    • Board + 1.550% = 1.55%
    • $ 347/mth
    • Year 3
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 4
    • Board + 1.950% = 1.95%
    • $ 365/mth
    • Year 5
    • Board + 1.950% = 1.95%
    • $ 365/mth
    • Year 6+
    • Board + 1.950% = 1.95%
    • $ 365/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Refinancing Only
  • Min Loan $600k
  • Valuation Subsidy $350
  • Min Loan $1m
  • Valuation Subsidy $500
  • Choose
  • Free Conversion after Lock-in
  • or
  • Waiver of Penalty Due to Sale (For SIBOR Only)

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 4
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 5
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth
    • Year 6+
    • 3M SIBOR + 1.000% = 1.44%
    • $ 342/mth


1.50% (First year)


$ 345 (First year)


5 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 4
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 5
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth


1.50% (First year)


$ 345 (First year)


5 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Waiver of penalty due to sale
  • - Free Conversion after 30month
  • - Partial Payment Allowed during Lock in

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 4
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 5
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 357/mth


1.50% (First year)


$ 345 (First year)


5 years Lock-in Period
Fixed Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 4
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 5
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 6+
    • Board + 2.750% = 2.75%
    • $ 398/mth


1.50% (First year)


$ 345 (First year)


4 years Lock-in Period
Fixed Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 4
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 5
    • Board + 2.750% = 2.75%
    • $ 400/mth
    • Year 6+
    • Board + 2.750% = 2.75%
    • $ 400/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Existing CIMB Preferred Customer ($250k AUM to qualify)

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 2
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 3
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 4
    • 1M SIBOR + 1.550% = 1.80%
    • $ 358/mth
    • Year 5
    • 1M SIBOR + 1.550% = 1.80%
    • $ 358/mth
    • Year 6+
    • 1M SIBOR + 1.550% = 1.80%
    • $ 358/mth


1.50% (First year)


$ 345 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Waiver of penalty due to sale
  • - Free Conversion after 18month

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 358/mth


1.50% (First year)


$ 345 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Availability Period 4 months only
  • - Free Conversion within 3months from lock-in expiry
  • Loan Amt > $750k
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 4
    • Board + 2.000% = 2.00%
    • $ 367/mth
    • Year 5
    • Board + 2.000% = 2.00%
    • $ 367/mth
    • Year 6+
    • Board + 2.000% = 2.00%
    • $ 367/mth


1.50% (First year)


$ 345 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 4
    • Board + 2.750% = 2.75%
    • $ 402/mth
    • Year 5
    • Board + 2.750% = 2.75%
    • $ 402/mth
    • Year 6+
    • Board + 2.750% = 2.75%
    • $ 402/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free Conversion after lock in

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • Board + 2.750% = 2.75%
    • $ 404/mth
    • Year 4
    • Board + 2.750% = 2.75%
    • $ 404/mth
    • Year 5
    • Board + 2.750% = 2.75%
    • $ 404/mth
    • Year 6+
    • Board + 2.750% = 2.75%
    • $ 404/mth


1.50% (First year)


$ 345 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 2
    • Fixed Rate = 1.50%
    • $ 345/mth
    • Year 3
    • 3M SIBOR + 4.000% = 4.44%
    • $ 492/mth
    • Year 4
    • 3M SIBOR + 4.000% = 4.44%
    • $ 492/mth
    • Year 5
    • 3M SIBOR + 4.000% = 4.44%
    • $ 492/mth
    • Year 6+
    • 3M SIBOR + 4.000% = 4.44%
    • $ 492/mth


1.50% (First year)


$ 345 (First year)


No Lock-in Lock-in Period
FHR24(DBS) Rate Type

FEATURES

  • 1 x Free Conversion on TOP

RATES AND PAYMENTS

    • Year 1
    • FHR24(DBS) + 0.600% = 1.50%
    • $ 345/mth
    • Year 2
    • FHR24(DBS) + 0.650% = 1.55%
    • $ 347/mth
    • Year 3
    • FHR24(DBS) + 0.780% = 1.68%
    • $ 353/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth


1.50% (First year)


$ 345 (First year)


No Lock-in Lock-in Period
FHR24(DBS) Rate Type

FEATURES

  • 1 x Free Conversion Wtihin 6mth from TOP

RATES AND PAYMENTS

    • Year 1
    • FHR24(DBS) + 0.600% = 1.50%
    • $ 345/mth
    • Year 2
    • FHR24(DBS) + 0.650% = 1.55%
    • $ 347/mth
    • Year 3
    • FHR24(DBS) + 0.780% = 1.68%
    • $ 353/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth


1.50% (First year)


$ 345 (First year)


No Lock-in Lock-in Period
Board Rate Type

FEATURES

  • - 1 x Free Conversion from 1st Disbursement
  • - 1 x Free Conversion from TOP
  • - Waiver of Cancellation Fee due to sale

RATES AND PAYMENTS

    • Year 1
    • Board + 1.500% = 1.50%
    • $ 345/mth
    • Year 2
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 3
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 4
    • Board + 1.750% = 1.75%
    • $ 356/mth
    • Year 5
    • Board + 1.950% = 1.95%
    • $ 365/mth
    • Year 6+
    • Board + 1.950% = 1.95%
    • $ 365/mth


1.52% (First year)


$ 346 (First year)


No Lock-in Lock-in Period
3M SIBOR Rate Type

FEATURES

  • 1 X Free Conversion after TOP
  • MortgageOne Interest Offset Feature (Spread + 0.05% Throughout)

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 2
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 3
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 4
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 5
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 6+
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth


1.52% (First year)


$ 346 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Refinancing Only
  • Min Loan $600k
  • Valuation Subsidy $350
  • Min Loan $1m
  • Valuation Subsidy $500
  • Choose
  • Free Conversion after Lock-in
  • or
  • Waiver of Penalty Due to Sale (For SIBOR Only)
  • Private Only
  • MortgageOne Interest Offset Feature (Spread + 0.05% Throughout)

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 2
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 3
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 4
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 5
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth
    • Year 6+
    • 3M SIBOR + 1.080% = 1.52%
    • $ 346/mth


1.52% (First year)


$ 346 (First year)


5 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.52%
    • $ 346/mth
    • Year 2
    • Fixed Rate = 1.52%
    • $ 346/mth
    • Year 3
    • Fixed Rate = 1.52%
    • $ 346/mth
    • Year 4
    • Fixed Rate = 1.52%
    • $ 346/mth
    • Year 5
    • Fixed Rate = 1.52%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth


1.52% (First year)


$ 346 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.52%
    • $ 346/mth
    • Year 2
    • Fixed Rate = 1.52%
    • $ 346/mth
    • Year 3
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 4
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth


1.52% (First year)


$ 346 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 2
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 3
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 4
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth


1.54% (First year)


$ 347 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.290% = 1.54%
    • $ 347/mth
    • Year 2
    • 1M SIBOR + 1.290% = 1.54%
    • $ 347/mth
    • Year 3
    • 1M SIBOR + 1.290% = 1.54%
    • $ 347/mth
    • Year 4
    • 1M SIBOR + 1.290% = 1.54%
    • $ 347/mth
    • Year 5
    • 1M SIBOR + 1.290% = 1.54%
    • $ 347/mth
    • Year 6+
    • 1M SIBOR + 1.290% = 1.54%
    • $ 347/mth


1.55% (First year)


$ 348 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 2
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 3
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.55% (First year)


$ 348 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Free conversion after lock in period

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 2
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 3
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 4
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 5
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth
    • Year 6+
    • 1M SIBOR + 1.250% = 1.50%
    • $ 345/mth


1.55% (First year)


$ 348 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion if MBR increase

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 2
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 3
    • Board + 1.750% = 1.75%
    • $ 357/mth
    • Year 4
    • Board + 1.950% = 1.95%
    • $ 366/mth
    • Year 5
    • Board + 1.950% = 1.95%
    • $ 366/mth
    • Year 6+
    • Board + 1.950% = 1.95%
    • $ 366/mth


1.55% (First year)


$ 348 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Free Conversion if MBR increase

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 2
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 3
    • Board + 1.750% = 1.75%
    • $ 357/mth
    • Year 4
    • Board + 1.950% = 1.95%
    • $ 366/mth
    • Year 5
    • Board + 1.950% = 1.95%
    • $ 366/mth
    • Year 6+
    • Board + 1.950% = 1.95%
    • $ 366/mth


1.55% (First year)


$ 348 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion if Board Rate Increase
  • Min $600k Loan
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Board + 1.550% = 1.55%
    • $ 348/mth
    • Year 2
    • Board + 1.550% = 1.55%
    • $ 348/mth
    • Year 3
    • Board + 2.300% = 2.30%
    • $ 382/mth
    • Year 4
    • Board + 2.500% = 2.50%
    • $ 392/mth
    • Year 5
    • Board + 2.500% = 2.50%
    • $ 392/mth
    • Year 6+
    • Board + 2.500% = 2.50%
    • $ 392/mth


1.55% (First year)


$ 348 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.55%
    • $ 348/mth
    • Year 2
    • Fixed Rate = 1.65%
    • $ 352/mth
    • Year 3
    • Fixed Rate = 1.85%
    • $ 361/mth
    • Year 4
    • Board + 2.200% = 2.20%
    • $ 377/mth
    • Year 5
    • Board + 2.200% = 2.20%
    • $ 377/mth
    • Year 6+
    • Board + 2.200% = 2.20%
    • $ 377/mth


1.56% (First year)


$ 348 (First year)


2 years Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • Valuation subsidy: Up to $500
  • For own business use.

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.540% = 1.56%
    • $ 348/mth
    • Year 2
    • FDR36(SCB) + 1.280% = 2.30%
    • $ 384/mth
    • Year 3
    • FDR36(SCB) + 1.780% = 2.80%
    • $ 408/mth
    • Year 4
    • FDR36(SCB) + 1.780% = 2.80%
    • $ 408/mth
    • Year 5
    • FDR36(SCB) + 1.780% = 2.80%
    • $ 408/mth
    • Year 6+
    • FDR36(SCB) + 1.780% = 2.80%
    • $ 408/mth


1.57% (First year)


$ 348 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.57%
    • $ 348/mth
    • Year 2
    • Fixed Rate = 1.57%
    • $ 348/mth
    • Year 3
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 4
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth


1.58% (First year)


$ 349 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 2
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 3
    • 3M SIBOR + 0.880% = 1.32%
    • $ 337/mth
    • Year 4
    • 3M SIBOR + 0.880% = 1.32%
    • $ 337/mth
    • Year 5
    • 3M SIBOR + 0.880% = 1.32%
    • $ 337/mth
    • Year 6+
    • 3M SIBOR + 0.880% = 1.32%
    • $ 337/mth


1.58% (First year)


$ 349 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation subsidy: Up to $500
  • For own business use.

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 2
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 3
    • 3M SIBOR + 0.880% = 1.32%
    • $ 337/mth
    • Year 4
    • 3M SIBOR + 0.880% = 1.32%
    • $ 337/mth
    • Year 5
    • 3M SIBOR + 0.880% = 1.32%
    • $ 337/mth
    • Year 6+
    • 3M SIBOR + 0.880% = 1.32%
    • $ 337/mth


1.58% (First year)


$ 349 (First year)


5 years Lock-in Period
Fixed Rate Type

FEATURES

  • - Partial Payment Penalty Waiver up to 20% of loan amount

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 2
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 3
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 4
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 5
    • Fixed Rate = 1.58%
    • $ 349/mth
    • Year 6+
    • Board + 2.380% = 2.38%
    • $ 383/mth


1.58% (First year)


$ 349 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion if Board Rate Increase
  • Min $600k Loan
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Board + 1.580% = 1.58%
    • $ 349/mth
    • Year 2
    • Board + 1.580% = 1.58%
    • $ 349/mth
    • Year 3
    • Board + 1.580% = 1.58%
    • $ 349/mth
    • Year 4
    • Board + 2.500% = 2.50%
    • $ 391/mth
    • Year 5
    • Board + 2.500% = 2.50%
    • $ 391/mth
    • Year 6+
    • Board + 2.500% = 2.50%
    • $ 391/mth


1.60% (First year)


$ 350 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.60%
    • $ 350/mth
    • Year 2
    • Fixed Rate = 1.60%
    • $ 350/mth
    • Year 3
    • Fixed Rate = 1.60%
    • $ 350/mth
    • Year 4
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth


1.60% (First year)


$ 350 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Must be a credit card customer (New or Existing) and fulfil 1 of the 3 criteria below
  • (1) $350k AUM
  • (2) Min Annual Income $60k
  • (3) Min Loan amount $850k

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.350% = 1.60%
    • $ 350/mth
    • Year 2
    • 1M SIBOR + 1.350% = 1.60%
    • $ 350/mth
    • Year 3
    • 1M SIBOR + 1.350% = 1.60%
    • $ 350/mth
    • Year 4
    • 1M SIBOR + 1.550% = 1.80%
    • $ 359/mth
    • Year 5
    • 1M SIBOR + 1.550% = 1.80%
    • $ 359/mth
    • Year 6+
    • 1M SIBOR + 1.550% = 1.80%
    • $ 359/mth


1.60% (First year)


$ 350 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Maximum loan tenure for HDB is 30 years

RATES AND PAYMENTS

    • Year 1
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 2
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 3
    • Board + 1.850% = 1.85%
    • $ 361/mth
    • Year 4
    • Board + 1.850% = 1.85%
    • $ 361/mth
    • Year 5
    • Board + 1.850% = 1.85%
    • $ 361/mth
    • Year 6+
    • Board + 1.850% = 1.85%
    • $ 361/mth


1.60% (First year)


$ 350 (First year)


No Lock-in Lock-in Period
Board Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 2
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 3
    • Board + 1.850% = 1.85%
    • $ 361/mth
    • Year 4
    • Board + 1.850% = 1.85%
    • $ 361/mth
    • Year 5
    • Board + 1.850% = 1.85%
    • $ 361/mth
    • Year 6+
    • Board + 1.850% = 1.85%
    • $ 361/mth


1.60% (First year)


$ 350 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Facility Fee: $1,600
  • Owners Occupied

RATES AND PAYMENTS

    • Year 1
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 2
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 3
    • Board + 3.380% = 3.38%
    • $ 436/mth
    • Year 4
    • Board + 6.000% = 6.00%
    • $ 578/mth
    • Year 5
    • Board + 6.000% = 6.00%
    • $ 578/mth
    • Year 6+
    • Board + 6.000% = 6.00%
    • $ 578/mth


1.60% (First year)


$ 350 (First year)


2 years Lock-in Period
FHR24(DBS) Rate Type

FEATURES

  • Waiver of Penalty Due to Sale
  • 1 x Free conversion after 2 years

RATES AND PAYMENTS

    • Year 1
    • FHR24(DBS) + 0.700% = 1.60%
    • $ 350/mth
    • Year 2
    • FHR24(DBS) + 0.750% = 1.65%
    • $ 352/mth
    • Year 3
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 359/mth


1.60% (First year)


$ 350 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Facility Fee: $1,600
  • Owners Occupied

RATES AND PAYMENTS

    • Year 1
    • Board + 1.600% = 1.60%
    • $ 350/mth
    • Year 2
    • Board + 1.700% = 1.70%
    • $ 355/mth
    • Year 3
    • Board + 1.900% = 1.90%
    • $ 364/mth
    • Year 4
    • Board + 6.000% = 6.00%
    • $ 575/mth
    • Year 5
    • Board + 6.000% = 6.00%
    • $ 575/mth
    • Year 6+
    • Board + 6.000% = 6.00%
    • $ 575/mth


1.62% (First year)


$ 351 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.62%
    • $ 351/mth
    • Year 2
    • Fixed Rate = 1.62%
    • $ 351/mth
    • Year 3
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 4
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 5
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth
    • Year 6+
    • 1M SIBOR + 1.270% = 1.52%
    • $ 346/mth


1.65% (First year)


$ 352 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.65%
    • $ 352/mth
    • Year 2
    • Fixed Rate = 1.65%
    • $ 352/mth
    • Year 3
    • Fixed Rate = 1.65%
    • $ 352/mth
    • Year 4
    • 1M SIBOR + 1.270% = 1.52%
    • $ 347/mth
    • Year 5
    • 1M SIBOR + 1.270% = 1.52%
    • $ 347/mth
    • Year 6+
    • 1M SIBOR + 1.270% = 1.52%
    • $ 347/mth


1.65% (First year)


$ 352 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion if Board Rate Increase
  • Home Plus Saving Account - 1% interest for first $5m deposits
  • Min $600k Loan
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Board + 1.650% = 1.65%
    • $ 352/mth
    • Year 2
    • Board + 1.650% = 1.65%
    • $ 352/mth
    • Year 3
    • Board + 2.300% = 2.30%
    • $ 383/mth
    • Year 4
    • Board + 2.500% = 2.50%
    • $ 392/mth
    • Year 5
    • Board + 2.500% = 2.50%
    • $ 392/mth
    • Year 6+
    • Board + 2.500% = 2.50%
    • $ 392/mth


1.68% (First year)


$ 354 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • 1 x Free Conversion if Board Rate Increase
  • Home Plus Saving Account - 1% interest for first $5m deposits
  • Min $600k Loan
  • Valuation Subsidy of $500

RATES AND PAYMENTS

    • Year 1
    • Board + 1.680% = 1.68%
    • $ 354/mth
    • Year 2
    • Board + 1.680% = 1.68%
    • $ 354/mth
    • Year 3
    • Board + 1.780% = 1.78%
    • $ 358/mth
    • Year 4
    • Board + 2.500% = 2.50%
    • $ 391/mth
    • Year 5
    • Board + 2.500% = 2.50%
    • $ 391/mth
    • Year 6+
    • Board + 2.500% = 2.50%
    • $ 391/mth


1.68% (First year)


$ 354 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.68%
    • $ 354/mth
    • Year 2
    • Fixed Rate = 1.68%
    • $ 354/mth
    • Year 3
    • Fixed Rate = 1.98%
    • $ 368/mth
    • Year 4
    • 3M SIBOR + 4.000% = 4.44%
    • $ 489/mth
    • Year 5
    • 3M SIBOR + 4.000% = 4.44%
    • $ 489/mth
    • Year 6+
    • 3M SIBOR + 4.000% = 4.44%
    • $ 489/mth


1.69% (First year)


$ 354 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Interest rate: RG 1 - 3 ( Subject to profile of company)
  • LTV 80% ~ 90%

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.250% = 1.69%
    • $ 354/mth
    • Year 2
    • 3M SIBOR + 1.250% = 1.69%
    • $ 354/mth
    • Year 3
    • 3M SIBOR + 2.800% = 3.24%
    • $ 429/mth
    • Year 4
    • 3M SIBOR + 2.800% = 3.24%
    • $ 429/mth
    • Year 5
    • 3M SIBOR + 2.800% = 3.24%
    • $ 429/mth
    • Year 6+
    • 3M SIBOR + 2.800% = 3.24%
    • $ 429/mth


1.69% (First year)


$ 354 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.250% = 1.69%
    • $ 354/mth
    • Year 2
    • 3M SIBOR + 1.250% = 1.69%
    • $ 354/mth
    • Year 3
    • 3M SIBOR + 2.800% = 3.24%
    • $ 429/mth
    • Year 4
    • 3M SIBOR + 2.800% = 3.24%
    • $ 429/mth
    • Year 5
    • 3M SIBOR + 2.800% = 3.24%
    • $ 429/mth
    • Year 6+
    • 3M SIBOR + 2.800% = 3.24%
    • $ 429/mth


1.69% (First year)


$ 354 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

  • Interest rate: RG 1 - 5 ( Subject to profile of company)

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.250% = 1.69%
    • $ 354/mth
    • Year 2
    • 3M SIBOR + 1.250% = 1.69%
    • $ 354/mth
    • Year 3
    • 3M SIBOR + 2.800% = 3.24%
    • $ 429/mth
    • Year 4
    • 3M SIBOR + 2.800% = 3.24%
    • $ 429/mth
    • Year 5
    • 3M SIBOR + 2.800% = 3.24%
    • $ 429/mth
    • Year 6+
    • 3M SIBOR + 2.800% = 3.24%
    • $ 429/mth


1.70% (First year)


$ 355 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.70%
    • $ 355/mth
    • Year 2
    • Fixed Rate = 1.70%
    • $ 355/mth
    • Year 3
    • Fixed Rate = 1.70%
    • $ 355/mth
    • Year 4
    • 1M SIBOR + 1.270% = 1.52%
    • $ 347/mth
    • Year 5
    • 1M SIBOR + 1.270% = 1.52%
    • $ 347/mth
    • Year 6+
    • 1M SIBOR + 1.270% = 1.52%
    • $ 347/mth


1.70% (First year)


$ 355 (First year)


No Lock-in Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • Refinancing Only
  • Min Loan $600k
  • Valuation Subsidy $350
  • Min Loan $1m
  • Valuation Subsidy $500
  • Free Conversion after Lock-in
  • Waiver of Penalty Due to Sale (For SIBOR Only)

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.680% = 1.70%
    • $ 355/mth
    • Year 2
    • FDR36(SCB) + 0.680% = 1.70%
    • $ 355/mth
    • Year 3
    • FDR36(SCB) + 0.680% = 1.70%
    • $ 355/mth
    • Year 4
    • FDR36(SCB) + 0.680% = 1.70%
    • $ 355/mth
    • Year 5
    • FDR36(SCB) + 0.680% = 1.70%
    • $ 355/mth
    • Year 6+
    • FDR36(SCB) + 0.680% = 1.70%
    • $ 355/mth


1.70% (First year)


$ 355 (First year)


2 years Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • Refinancing Only
  • Min Loan $600k
  • Valuation Subsidy $350
  • Min Loan $1m
  • Valuation Subsidy $500
  • Choose
  • Free Conversion after Lock-in
  • or
  • Waiver of Penalty Due to Sale (For SIBOR Only)

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.680% = 1.70%
    • $ 355/mth
    • Year 2
    • FDR36(SCB) + 0.680% = 1.70%
    • $ 355/mth
    • Year 3
    • FDR36(SCB) + 0.680% = 1.70%
    • $ 355/mth
    • Year 4
    • FDR36(SCB) + 0.680% = 1.70%
    • $ 355/mth
    • Year 5
    • FDR36(SCB) + 0.680% = 1.70%
    • $ 355/mth
    • Year 6+
    • FDR36(SCB) + 0.680% = 1.70%
    • $ 355/mth


1.70% (First year)


$ 355 (First year)


No Lock-in Lock-in Period
1M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.450% = 1.70%
    • $ 355/mth
    • Year 2
    • 1M SIBOR + 1.450% = 1.70%
    • $ 355/mth
    • Year 3
    • 1M SIBOR + 1.450% = 1.70%
    • $ 355/mth
    • Year 4
    • 1M SIBOR + 1.550% = 1.80%
    • $ 359/mth
    • Year 5
    • 1M SIBOR + 1.550% = 1.80%
    • $ 359/mth
    • Year 6+
    • 1M SIBOR + 1.550% = 1.80%
    • $ 359/mth


1.70% (First year)


$ 355 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

  • Must be a credit card customer (New or Existing) and fulfil 1 of the 3 criteria below
  • (1) $350k AUM
  • (2) Min Annual Income $60k
  • (3) Min Loan amount $850k

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.450% = 1.70%
    • $ 355/mth
    • Year 2
    • 1M SIBOR + 1.450% = 1.70%
    • $ 355/mth
    • Year 3
    • 1M SIBOR + 1.450% = 1.70%
    • $ 355/mth
    • Year 4
    • 1M SIBOR + 1.550% = 1.80%
    • $ 359/mth
    • Year 5
    • 1M SIBOR + 1.550% = 1.80%
    • $ 359/mth
    • Year 6+
    • 1M SIBOR + 1.550% = 1.80%
    • $ 359/mth


1.70% (First year)


$ 355 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.70%
    • $ 355/mth
    • Year 2
    • Fixed Rate = 1.70%
    • $ 355/mth
    • Year 3
    • 3M SIBOR + 4.000% = 4.44%
    • $ 493/mth
    • Year 4
    • 3M SIBOR + 4.000% = 4.44%
    • $ 493/mth
    • Year 5
    • 3M SIBOR + 4.000% = 4.44%
    • $ 493/mth
    • Year 6+
    • 3M SIBOR + 4.000% = 4.44%
    • $ 493/mth


1.72% (First year)


$ 356 (First year)


2 years Lock-in Period
3M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 3M SIBOR + 1.280% = 1.72%
    • $ 356/mth
    • Year 2
    • 3M SIBOR + 1.280% = 1.72%
    • $ 356/mth
    • Year 3
    • 3M SIBOR + 1.780% = 2.22%
    • $ 379/mth
    • Year 4
    • 3M SIBOR + 1.780% = 2.22%
    • $ 379/mth
    • Year 5
    • 3M SIBOR + 1.780% = 2.22%
    • $ 379/mth
    • Year 6+
    • 3M SIBOR + 1.780% = 2.22%
    • $ 379/mth


1.75% (First year)


$ 357 (First year)


2 years Lock-in Period
FDR36(SCB) Rate Type

FEATURES

  • Refinancing Only
  • Min Loan $600k
  • Valuation Subsidy $350
  • Min Loan $1m
  • Valuation Subsidy $500
  • Choose
  • Free Conversion after Lock-in
  • or
  • Waiver of Penalty Due to Sale (For SIBOR Only)

RATES AND PAYMENTS

    • Year 1
    • FDR36(SCB) + 0.730% = 1.75%
    • $ 357/mth
    • Year 2
    • FDR36(SCB) + 0.730% = 1.75%
    • $ 357/mth
    • Year 3
    • FDR36(SCB) + 0.730% = 1.75%
    • $ 357/mth
    • Year 4
    • FDR36(SCB) + 0.730% = 1.75%
    • $ 357/mth
    • Year 5
    • FDR36(SCB) + 0.730% = 1.75%
    • $ 357/mth
    • Year 6+
    • FDR36(SCB) + 0.730% = 1.75%
    • $ 357/mth


1.75% (First year)


$ 357 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Facility Fee: $1,600
  • Owners Occupied

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.75%
    • $ 357/mth
    • Year 2
    • Fixed Rate = 1.75%
    • $ 357/mth
    • Year 3
    • Board + 3.380% = 3.38%
    • $ 437/mth
    • Year 4
    • Board + 6.000% = 6.00%
    • $ 579/mth
    • Year 5
    • Board + 6.000% = 6.00%
    • $ 579/mth
    • Year 6+
    • Board + 6.000% = 6.00%
    • $ 579/mth


1.78% (First year)


$ 359 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Valuation Subsidy: $500

RATES AND PAYMENTS

    • Year 1
    • Board + 1.780% = 1.78%
    • $ 359/mth
    • Year 2
    • Board + 1.880% = 1.88%
    • $ 363/mth
    • Year 3
    • Board + 2.080% = 2.08%
    • $ 373/mth
    • Year 4
    • Board + 2.500% = 2.50%
    • $ 392/mth
    • Year 5
    • Board + 2.500% = 2.50%
    • $ 392/mth
    • Year 6+
    • Board + 2.500% = 2.50%
    • $ 392/mth


1.80% (First year)


$ 360 (First year)


No Lock-in Lock-in Period
FHR24(DBS) Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 360/mth
    • Year 2
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 360/mth
    • Year 3
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 360/mth
    • Year 4
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 360/mth
    • Year 5
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 360/mth
    • Year 6+
    • FHR24(DBS) + 0.900% = 1.80%
    • $ 360/mth


1.80% (First year)


$ 360 (First year)


2 years Lock-in Period
1M SIBOR Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • 1M SIBOR + 1.550% = 1.80%
    • $ 360/mth
    • Year 2
    • 1M SIBOR + 1.550% = 1.80%
    • $ 360/mth
    • Year 3
    • 1M SIBOR + 1.550% = 1.80%
    • $ 360/mth
    • Year 4
    • 1M SIBOR + 1.550% = 1.80%
    • $ 360/mth
    • Year 5
    • 1M SIBOR + 1.550% = 1.80%
    • $ 360/mth
    • Year 6+
    • 1M SIBOR + 1.550% = 1.80%
    • $ 360/mth


1.85% (First year)


$ 362 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Board + 1.850% = 1.85%
    • $ 362/mth
    • Year 2
    • Board + 1.850% = 1.85%
    • $ 362/mth
    • Year 3
    • Board + 6.500% = 6.50%
    • $ 614/mth
    • Year 4
    • Board + 6.500% = 6.50%
    • $ 614/mth
    • Year 5
    • Board + 6.500% = 6.50%
    • $ 614/mth
    • Year 6+
    • Board + 6.500% = 6.50%
    • $ 614/mth


1.88% (First year)


$ 364 (First year)


3 years Lock-in Period
Fixed Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.88%
    • $ 364/mth
    • Year 2
    • Fixed Rate = 1.88%
    • $ 364/mth
    • Year 3
    • Fixed Rate = 2.18%
    • $ 378/mth
    • Year 4
    • 3M SIBOR + 4.000% = 4.44%
    • $ 490/mth
    • Year 5
    • 3M SIBOR + 4.000% = 4.44%
    • $ 490/mth
    • Year 6+
    • 3M SIBOR + 4.000% = 4.44%
    • $ 490/mth


1.90% (First year)


$ 365 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee $800

RATES AND PAYMENTS

    • Year 1
    • Board + 1.900% = 1.90%
    • $ 365/mth
    • Year 2
    • Board + 1.900% = 1.90%
    • $ 365/mth
    • Year 3
    • Board + 2.300% = 2.30%
    • $ 384/mth
    • Year 4
    • Board + 2.500% = 2.50%
    • $ 393/mth
    • Year 5
    • Board + 2.500% = 2.50%
    • $ 393/mth
    • Year 6+
    • Board + 2.500% = 2.50%
    • $ 393/mth


1.95% (First year)


$ 367 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 1.95%
    • $ 367/mth
    • Year 2
    • Fixed Rate = 2.15%
    • $ 377/mth
    • Year 3
    • 3M SIBOR + 0.880% = 1.32%
    • $ 339/mth
    • Year 4
    • 3M SIBOR + 0.880% = 1.32%
    • $ 339/mth
    • Year 5
    • 3M SIBOR + 0.880% = 1.32%
    • $ 339/mth
    • Year 6+
    • 3M SIBOR + 0.880% = 1.32%
    • $ 339/mth


2.00% (First year)


$ 370 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Facility Fee: $1,600
  • Investment

RATES AND PAYMENTS

    • Year 1
    • Board + 2.000% = 2.00%
    • $ 370/mth
    • Year 2
    • Board + 2.000% = 2.00%
    • $ 370/mth
    • Year 3
    • Board + 3.780% = 3.78%
    • $ 459/mth
    • Year 4
    • Board + 6.000% = 6.00%
    • $ 581/mth
    • Year 5
    • Board + 6.000% = 6.00%
    • $ 581/mth
    • Year 6+
    • Board + 6.000% = 6.00%
    • $ 581/mth


2.00% (First year)


$ 370 (First year)


3 years Lock-in Period
Board Rate Type

FEATURES

  • Facility Fee: $1,600
  • Investment

RATES AND PAYMENTS

    • Year 1
    • Board + 2.000% = 2.00%
    • $ 370/mth
    • Year 2
    • Board + 2.100% = 2.10%
    • $ 374/mth
    • Year 3
    • Board + 2.300% = 2.30%
    • $ 384/mth
    • Year 4
    • Board + 6.000% = 6.00%
    • $ 578/mth
    • Year 5
    • Board + 6.000% = 6.00%
    • $ 578/mth
    • Year 6+
    • Board + 6.000% = 6.00%
    • $ 578/mth


2.05% (First year)


$ 372 (First year)


2 years Lock-in Period
Board Rate Type

FEATURES

  • Valuation Subsidy: $500
  • Processing Fee: $1,000

RATES AND PAYMENTS

    • Year 1
    • Board + 2.050% = 2.05%
    • $ 372/mth
    • Year 2
    • Board + 2.050% = 2.05%
    • $ 372/mth
    • Year 3
    • Board + 6.500% = 6.50%
    • $ 615/mth
    • Year 4
    • Board + 6.500% = 6.50%
    • $ 615/mth
    • Year 5
    • Board + 6.500% = 6.50%
    • $ 615/mth
    • Year 6+
    • Board + 6.500% = 6.50%
    • $ 615/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

  • Interest rate: RG 1 - 3 ( Subject to profile of company)
  • LTV 80% ~ 90%

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.08%
    • $ 374/mth
    • Year 2
    • Fixed Rate = 2.18%
    • $ 379/mth
    • Year 3
    • Board + 4.880% = 4.88%
    • $ 520/mth
    • Year 4
    • Board + 4.880% = 4.88%
    • $ 520/mth
    • Year 5
    • Board + 4.880% = 4.88%
    • $ 520/mth
    • Year 6+
    • Board + 4.880% = 4.88%
    • $ 520/mth


2.08% (First year)


$ 374 (First year)


2 years Lock-in Period
Fixed Rate Type

FEATURES

RATES AND PAYMENTS

    • Year 1
    • Fixed Rate = 2.08%
    • $ 374/mth
    • Year 2
    • Fixed Rate = 2.18%
    • $ 379/mth
    • Year 3
    • Board + 4.880% = 4.88%
    • $ 520/mth
    • Year 4
    • Board + 4.880% = 4.88%
    • $ 520/mth
    • Year 5
    • Board + 4.880% = 4.88%
    • $ 520/mth
    • Year 6+
    • Board + 4.880% = 4.88%
    • $ 520/mth


2.08% (First year)


$ 374 (First year)