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HSBC - Floating Rates - 1 Month Sibor as of 9th July is 0.25% - 2 years Lock In
Year 1: 1M SIBOR + 1.05% = 1.30%
Year 2: 1M SIBOR + 1.05% = 1.30%
Year 3: 1M SIBOR + 1.05% = 1.30%
Thereafter: 1M SIBOR + 1.05% = 1.30%

30% partial repayment allowed
One time free conversion to any other packages anytime

Refinancing Legal Subsidy - Below 500K: $1,000 Cash Rebate

UOB - Floating Rates - 3M SIBOR as of 9th July is 0.43% - 2 years Lock In
Year 1 : 3M SIBOR + 1% = 1.43%
Year 2 : 3M SIBOR + 1% = 1.43%
Year 3 : 3M SIBOR + 1% = 1.43%
Thereafter : 3M SIBOR + 1% = 1.43%

Free conversion after 2 year lock in to any other packages.

Refinancing Legal Subsidy - HDB below 300K - 0.40% Loan Amount - Cash Rebate

UOB - Fixed Rates 2 year lock in
1st year - 1.40% fixed
2nd year - 1.40% fixed
3rd year and thereafter - ML Board Rate (0.85%) + 0.95% = 1.80%

Free conversion after 2 year lock in to any other packages.
50% Waiver of penalty due to sale of property.
Up to 10% partial repayment allowed per year

Refinancing Legal Subsidy - HDB below 300K - 0.40% Loan Amount - Cash Rebate

UOB - Fixed Rates 3 year lock in
1st year - 1.68% fixed
2nd year - 1.68% fixed
3rd year - 1.68% fixed
4th year and thereafter - ML Board Rate (0.85%) + 1.03% = 1.98%

Free conversion after 2 years lock in to any other packages.
Waiver of penalty due to sale of property.
Up to 10% partial repayment allowed per year

Refinancing Legal Subsidy - HDB below 300K - 0.40% Loan Amount - Cash Rebate

Maybank - Floating Rates - 3M SIBOR as of 9th July is 0.43% - 1 year Lock In
Year 1 : 3M SIBOR + 0.85% = 1.28%
Year 2 : 3M SIBOR + 0.85% = 1.28%
Year 3 : 3M SIBOR + 1.25% = 1.68%
Thereafter : 3M SIBOR + 1.25% = 1.68%

Refinancing Legal Subsidy - HDB Below 500K - 0.40% of the Loan Amount - Cash Rebate

MayBank - Fixed Rates - 2 years Lock In
Year 1 - 1.50% Fixed
Year 2 - 1.50% Fixed
Thereafter - SRFR2 Board Rates (4.85%) - 2.10% = 2.75%

Refinancing Legal Subsidy - HDB Below 500K - 0.40% of the Loan Amount - Cash Rebate


DBS - Fixed Rates 2 years lock in
Year 1: 1.50% fixed
Year 2: 1.50% fixed
Thereafter: FHR24 - Fixed Deposit Link Rates (0.90%) + 0.90%= 1.80%

Free conversion after 2 years lock in to any other packages.
Waiver of penalty due to sale of property

Refinancing Legal Subsidy - HDB below 300K - 0.40% Loan Amount - Cash Rebate

DBS - Fixed Rates 3 years lock in
Year 1: 1.50% fixed
Year 2: 1.50% fixed
Year 3: 1.50% fixed
Thereafter: FHR24 - Fixed Deposit Link Rates (0.90%) + 0.90%= 1.80%

Free conversion after 1 year lock in to any other packages.
Waiver of penalty due to sale of property

Refinancing Legal Subsidy - HDB below 300K - 0.40% Loan Amount - Cash Rebate

DBS - Fixed Rates - 5 year lock in
Year 1: 1.50% fixed
Year 2: 1.50% fixed
Year 3: 1.50% fixed
Year 4: 1.50% fixed
Year 5: 1.50% fixed
Thereafter: FHR24 - Fixed Deposit Link Rates (0.90%) + 0.90%= 1.80%

Free conversion after 1 year lock in to any other packages.
Waiver of penalty due to sale of property
Partial repayment allowed up to 90% of the loan

Refinancing Legal Subsidy - HDB below 300K - 0.40% Loan Amount - Cash Rebate

Cost Involved
Legal Fees $1,500 Nett (Can pay by CPF Ordinary Account or Cash)
Valuation fees $250 estimate (UOB Valuation Fee at $160)

Rebates
$1,000 cash rebate from HSBC
$900 legal subsidy from UOB
$900 cash rebates from Maybank
$900 cash rebate from DBS