Another attractiveness of the special fixed - rate scheme is that the prepayment penalty period is capped at three years for fixed - rate periods exceeding 3 years and up to 10 years . the other key product features of the special scheme are summarised in 这新计划之另一吸引之处为特别优惠的提早还款手续费, 3年至10年的定息按揭贷款,提早还款手续费只限首3年。