If I am not wrong, both the 2 residence towers are residential under the Housing Development Act hence subject to 70% LTV rule...

It is not only depend on the commercial title of the land. A serviced apartment or a SOHO can be on a commercial land but is residential...

Correct.

A STUDIO and CONDOMINIUM project is build on a piece of Residential Land. There is no service apartment on top of a Residential Land.
A SOHO and SERVICE APARTMENT project is build on a piece of Commercial Land. There is no condominium built on top of a commercial land.

It's not based on Commercial Title, but it's based on the project whether it is come with the protected HDA Act ruling or without HDA Act ( commercial properties are all without HDA Act )

For SOHO under HDA Act ( ex. You City, You One, Da Men, ) it would be treated as residential loan guideline and hit LTV 70% if > 2 home loans.

For SOHO without HDA Act, most of the banks would follow above guideline as required by BNM. I not sure which banks still allow up to 85% or 90% for Non HDA SOHO.

I did shared above in another thread before, but due to some members do not fully understand me, do not understand what they replied about and simply laughed me off confusing around because they heard this and heard that, self proclaimed got 7 properties and etc, therefore I lazy to reply on that thread bcz time wasting.