SOHO properties fall under commercial title so you won't be hit with the 70%LTV cap. with that in mind, utilities, maintenance and cukai pintu are also following commercial rates hence the reason why SOHO tends to be smaller in size compared to normal residential properties.

already it is called SOHO so basically you can "legally" stay in there as you please lol.

some notes about SOHO units imo:
- buy as best a location as possible as that will ensure its value will be there in the future just in case SOHO concept fails in malaysia in the long run
- eventually one day you will wake up to the realization that SOHO units are quite small and don't give enough space for you to really compartmentalize your things that you acquire in life so there could be awkward situations whereby you may forget to hide things that you don't want your clients or friends to see when they come over because you don't have extra rooms to put those things in
- won't be practical when you start building a family
- very little privacy for certain designs without room
- non-residential environment. coming and going out of your units, you could be bumping into all kinds of strangers if that SOHO is mainly used for business. could give the insecure feeling when traversing around the property compared to pure residential properties for own stay. ie: familiar neighbour faces
- can be a cramp for social life as girls tend not to like the idea of staying in a SOHO unit.
- toilet hygiene will be another huge factor cause usually, there is only one in a unit hence you have to take effort to clean it up sparkly clean and not leave undesirable stuffs in there so as to prevent clients who so happen to use it from seeing things you don't want them to see. also works vice versa, you could be uncomfortable having strangers accessing your own personal toilet.

that's all i can think for now this early in the morn

as mentioned 85% is a safer loan amount. you need to call up banks or loan officers to discuss for 90% loan. if it is new under con property, there is a high likelihood for 90% loan success.