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Mortgage for house under construction

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Hello - We had a look at the plan of a small apartment that may be interesting for us to buy. The construction will start in a few months and the completion is in 2015. 80% of the funds have to be released at the time of completion. I am wondering if I can take the 80% mortgage now at current rates for funds that have to be release in 2015 ?
Or will I have to pay the 80% mortgage at interest rates of 2015 which are completely unknown to me now ?

This may be a big factor as part of the reason we got interested in purchasing an apartment is the current low rate of interest.

Many thanks !

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