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(A) Privileged Immediate Mortgage (List Price - 1%) 
  1. 5% of the purchase price payable upon the signing of the Memorandum for Sale. Formal Agreement for Sale and Purchase must be executed within 3 working days after the signing of the Memorandum for Sale.
  2. A further 5% of the purchase price payable upon the signing of the Formal Agreement for Sale and Purchase.
  3. Balance of 90% of the purchase price payable within 30 days after the signing of the Formal Agreement for Sale and Purchase. 。
(B) Second Mortgage (List Price + 1 %)
  1. 5% of the purchase price payable upon the signing of the Memorandum for Sale. Formal Agreement for Sale and Purchase must be executed within 3 working days after the signing of the Memorandum for Sale.
  2. Balance of 95% of the purchase price payable within 30 days after the signing of the Formal Agreement for Sale and Purchase.
Special Privileges:
The developer can offer Second Mortgage Loan up to 25% of purchase price at an interest rate as low as P-1% per annum.*
*The provision of the Second Mortgage Loan is subject to the consent of the First Mortgage bank and approval of the developer. The term of the Second Mortgage Loan must not exceed the term of the First Mortgage Loan and the term of the Second Mortgage Loan shall not exceed 20 years in any event. The developer has the final decision as to the provision of Second Mortgage Loan.
(C) Second Mortgage Plus - 2-year payback and high yield investment plan (List Price + 5.5 %)
  1. 5% of the purchase price payable upon the signing of the Memorandum for Sale. Formal Agreement for Sale and Purchase must be executed within 3 working days after the signing of the Memorandum for Sale.
  2. Balance of 95% of the purchase price payable within 30 days after the signing of the Formal Agreement for Sale and Purchase.
Special Privileges:
The developer can offer Second Mortgage Loan up to 25% of purchase price at an interest rate as low as P-1% per annum. No repayment of interest and principal for the Second Mortgage Loan is required for the first two years from the date of the drawdown of the Second Mortgage Loan and no repayment of interest is required for the subsequent 3 years in respect of the Second Mortgage Loan.*
*The provision of the Second Mortgage Loan is subject to the consent of the First Mortgage bank and approval of the developer. The term of the Second Mortgage Loan must not exceed the term of the First Mortgage Loan and the term of the Second Mortgage Loan shall not exceed 20 years in any event. The developer has the final decision as to the provision of Second Mortgage Loan.
(D) Upgrade Easy (List Price + 1%) -- 180-day payment
  1.

5% of the purchase price payable upon the signing of the Memorandum for Sale. Formal Agreement for Sale and Purchase must be executed within 3 working days after the signing of the Memorandum for Sale.
  2. A further 5% of the purchase price payable upon the signing of the Formal Agreement for Sale and Purchase.
3. Balance of 90% of the purchase price payable within 180 days after the signing of the Formal Agreement for Sale and Purchase.
Purchaser(s) will enjoy the following privileges if purchaser(s) make the payment of 90% of the purchase price earlier. The discounted amount will be rebated to purchaser(s) within 14 working days after the execution of the Assignment and completion of the sale and purchase.
Early Payment Schedule
The payment of 90% of the purchase price shall take place:
 Rebate
within 90 days after the signing of the Formal Agreement for
Sale and Purchase
 1% of purchase price
within 120 days after the signing of the Formal Agreement for
Sale and Purchase
 0.5% of purchase price
(E) Home Starter Loan Scheme/Home Purchase Loan Scheme (List Price - 1%)*
  1. 5% of the purchase price payable upon the signing of the Memorandum for Sale. Formal Agreement for Sale and Purchase must be executed within 3 working days after the signing of the Memorandum for Sale.
  2. Balance of 95% of the purchase price payable within 45 days after the signing of the Formal Agreement for Sale and Purchase.
*Purchaser(s) must present the original and photocopy of the certificate of eligibility issued by the Housing Authority or Housing Society upon the signing of the Memorandum for Sale.
(F) Trial Living Plan (List Price + 5 % )
  1. 5% of the purchase price payable upon the signing of the Memorandum for Sale. Formal Agreement for Sale and Purchase must be executed within 3 working days after the signing of the Memorandum for Sale.
  2. Balance of 95% of the purchase price payable within 13 months after the signing of the Formal Agreement for Sale and Purchase.
Special Privileges:
i The developer may offer Second Mortgage Loan up to 20% of purchase price at an interest rate as low as P-1% per annum.*
* The provision of the Second Mortgage Loan is subject to the consent of the First Mortgage bank and approval of the developer. The term of the Second Mortgage Loan must not exceed the term of the First Mortgage Loan and the term of the Second Mortgage Loan shall not exceed 20 years in any event. The developer has the final decision as to the provision of Second Mortgage Loan.
ii. The developer may grant the purchaser an 12-month Licence to Occupy the property one month after signing of the Formal Agreement for Sale and Purchase.**
** The Licence is subject to the following terms and conditions:
1. The purchaser shall sign a Licence Agreement in developer’s prescribed form upon signing of the Formal Agreement for Sale and Purchase. The Licence will be valid for 12 months, commencing one month after the signing of the Formal Agreement for Sale and Purchase and expiring on the date of completion of the sale and purchase.
2. The purchaser shall pay 5% of purchase price as the Licence fee for 12 months of occupancy. The Licence fee paid shall not be refunded to the purchaser for any reason whatsoever.
3. The purchaser shall pay a Licence deposit, stamp duty, legal fee for the Licence Agreement, and all fees and deposits incurred in the handover of the property.
4. The purchaser shall bear all government rates, rents and management fee during the period of occupancy.
5. The Licence fee and Licence deposit paid shall form part of the balance of purchase price if the purchaser completes the purchase and executes the Assignment according to the Formal Agreement for Sale and Purchase.
6. If the purchaser chooses not to purchase the property, a notice of termination of the Formal Agreement for Sale and Purchase shall be served on the developer at least 1 month prior to the expiry of the Licence/scheduled date of completion of the sale and purchase. The deposit of 5% of the purchase price shall be forfeited to the developer. The purchaser shall pay all legal fees and expenses arising from the cancellation agreement. The property together with the fittings provided shall be returned to the developer in good condition.
Note:
(1) In case of ambiguities or conflict between the English and the Chinese version of these Payment Terms, the English version shall prevail.
(2) All the above privileges are subject to the terms of the formal documentation (if any) to be entered into between the Developer and the purchasers and the conditions to be imposed by the relevant banks and the Developer in respect of the granting of the relevant First Mortgage Loan and Second Mortgage Loan.