Dbs/posbDbs　 *Package 1* Year 1 to 2: 1.78% fixed Year 3 onwards: FHR8 + 1.03% = 1.98% Fhr 8 refers to 8 months fixed deposit for deposit less than $10k which is currently 0.95%　 - 2 year lock in　 - waiver of penalty due to sale - min $1m loan - free conversion after year 2 *Package 2* Year 1 to 2: 1.82% fixed Year 3 onwards: FHR8 + 1.03% = 1.98% - 2 year lock in - free conversion after year 2 - waiver of penalty due to sale - min $500k loan　 *Package 3* Year 1 to 5: 2.00% fixed Year 6 onwards: FHR8 + 1.05% = 2.00% - 5 year lock in - waiver of penalty due to sale　 - min $100k loan　 Thank you　 Regards,　 Xiao Yen　 (more...)