Just get a conventional loan without lock in period. Then if there are signs that loan rates are going up, u can always refinance under a fixed interest loan. Current loan rates are quite low (4.20%) only. Only if loan interest rates go up beyond 5.30%, ill consider fixed interest loans.

Even if the rates are slightly higher, it wont make a huge difference compared to the extra amount ull be paying now. Current rates for conventional loans are min 4.15% now while the best fixed rate loans are about 4.85% (non ZEC). Bank Negara would need at least 3 rate hikes before the interest rate reaches that level. So far BNM has been reluctant to increase rates and i dont see that happening anytime this year. Earliest would be 2014. So uve got a good 3 years between now and the 3rd rake hike which would bring conventional rates on par with fixed rates. Thats 3 years of paying lesser interest which is quite alot for loans >500K.

Still available or future launch? Pricing?