My advice is go for 35 years. You can make extra instalment payment every month and lump sum payment every year to save the interest.
Let's say instalment amount is 2k for 35 years and 2.2k for 30 years, if you get your loan at max tenure 35 years and you pay 2.2k every month, the interest paid will still be more or less like 30 years.

The reason of getting 35 years financing is to lower your monthly commitment so that when you have to get financing for future purchase, you will have more room.

If you wanna save more interest, maybe can opt for full flexi loan.
Yes, afaik, HSBC & BSN are offering ZMC loan.

for HSBC, 3 years lock-in period, interest rate for a case that i came across, loan amount 4xxk, the interest rate is 4.75%.