GRAND MONTARA

	Hibor Rate Mortgage Plan	Prime Rate Base Mortgage Plan
Rate	H+1.23% (cap 2.375%) * Enjoy Mortgage-Link Account	As low as P-2.8%
Net Rate (p.a.)	2.375%	2.375%
Loan-to-Value Ratio	up to 80%	up to 80%
Loan Tenor	30 years	30 years
Cash Rebate	up to 2.18%	up to 2.18%

*The above information is for reference only, and subject to the latest announcement of HKMA & HKMC.

# Property value below HK$6million maximum LTV up to 80%. Property value below HK$10million maximum LTV up to 60%(subject to a loancap of HK$5million).

(H : 1 month HIBOR Rate (2019-06-28: 2.531%)，P=5.125%)