没有Top，也没过lock-in
OPTION A: FLOATING (2 YEARS PENALTY PERIOD)
Free conversion is applicable only if you are before the date of TOP
(For BUC properties, min $200K Loan outstanding)
Yr 1: 1.70% (ML + 0.85%)
Yr 2: 1.70% (ML + 0.85%)
Thereafter: 1.70% (ML + 0.85%)
ML is UOB MLC RATE is currently at 0.85% per annum

OPTION B: 3 MONTH SIBOR (2 YEARS PENALTY PERIOD)
Free conversion is applicable only if you are before the date of TOP
(For BUC properties, min $200K Loan outstanding)
3 Month SIBOR as at 18 Mar 2020 = 0.99490%
Yr 1: 3 Month SIBOR + 0.63%
Yr 2: 3 Month SIBOR + 0.63%
Thereafter: 3Month SIBOR + 0.63%

Option C:
Reprice Fee: $500
Yr 1: 3 Month SIBOR + 0.50%
Yr 2: 3 Month SIBOR + 0.50%
Thereafter: 3Month SIBOR + 0.50%

Option A,B 不用交Reprice Fee