I know DBS, OCBC and UOB all have come up with "Special Minton packages". DBS package for example, is SIBOR+0% interest for the 1st year, SIBOR+0.2% for 2nd year, SIBOR+0.4% for 3rd year; and SIBOR+1% for the rest of the loan tenure. As far as I know, no lock-in period. Can always refinance after year 3.
Not too bad, but since my folks are staying at Minton over the long term, my RM at DBS customised something for me that is quite competitive and comparable with what HSBC is offering.
HSBC's rates are always quite competitive, so yours should be quite alright.
I have been scratching head on how to partition out the 700sqft unit... I need to have a bedroom and a study. But not sure what is the most optimal way to do it. I also wrote to URA last week on the process to pay DC and convert my planter into a balcony. So far also no response. Sigh.