yes the sound is quite noticeable especially when you shift around R -> N -> D or D -> N -> R especially if you've rolled a bit after shifting into gear... it's an engagement sound as far as i can gather and it seem to be heard on multiple units i've encountered around at parking areas...

so, i guess it's no point to be concerned about as a couple post previous prior to this was a discussion on ATF which Honda has switched to the newer DW1 ATF as opposed to Z1.... there is already comments that the DW1 shifts harder than the Z1 but the Z1 has been known to degrade faster than the DW1 and Honda only recommends an ATF change every 60k....
minimal charges according to HM maintenance table (which has been updated with the standard parts changed in itemized form) is RM319... it can be possible to go down to RM200 with discounts in place if you stick to mineral and you reject changing the pollen filter all together... some people manage to find pollen filter outside of HM service for around RM80+ and carbon type somemore.. so, they just choose to replace the pollen filter outside by themselves which Honda allows but as always stress that original part is better in this case for your air-cond system and yourself...

if you go according to their schedule and go with fully synthetic, green bottle... i believe it can almost touch RM400 and if you opt for the red bottle, it might even surpass RM400 even with discounts... (they might even ask if you want to do alignment as well since it's already 20k)
http://www.honda.com.my/service_maintenanc...ntenance/?id=43

there are certain stuff you can opt out like the pollen filter, alignment during certain service... but the major ones like oil, oil filter is stuff that you have no say in....

instead, you should worry less about 20k service as the 40k, 80k and 100k service is more a killer than the 20k service... you have the fuel filter which costs RM300++ on the 40k and 80k respectively and spark plug replacement @ 100k for RM300++ too.... fuel filter i can't say much because it's no easy thing to replace outside... you just need to let them potong you on that one.... but the spark plugs are heavily marked up items as Denso SK20 plugs costs around RM170-RM190 at best... but it's no easy feat trying to get the spark plugs out on the jazz as well because it is facing inwards towards the firewall which means very narrow spacing... have to take out quite a bit of stuff to get your hands in there....

oh that kinda "cluck" sound... I misunderstood his statement then... 

I can say is that all cars have it... heard it on my Alza, MyVi, Perdana...