Hello all, I also came across this FDR+X% issue. I have concluded as follows:

1. FDR fluctuation is smaller than BLR. This is the fact.
2. When BLR change, FDR will also change. This is the fact and they will either be increase together or decrease together. It will not be 1 increase and the other decrease.
3. BLR is set by authority and follows by all Bank in Malaysia.
4. FDR is set by the Bank itself and it is solely under the hand of a Bank.

My questions is now, shall we leave our faith for the next 10 to 20 years in the hand of an individual organisation or follow a common guideline in the nation.
I believe the answer is very clear. Just like Ah Long, this month I can tell you the rate is 2.7, next month is 5 also can. It is not a restriction.