azikman,
still have under islamic home financing. so it will based on CPR (contracted profit rate). and with this islamic pakage we will enjoy rebate (ibra') on prepayment, early settlement and any difference between CPR and EPR.

in conventional loan we do have what we call capped rate homeloan.. BLR capped at 1st 3yrs or 1st 5yrs. and customer can apply every 3 or 5 yrs until end of loan tenure subject to approval. the cons about capped loan, EPF withdrawal is not allowed during the capped period. (there are more infos bout this loan actually).