Jason, is MBB loan with 3.2% + 1.25% wise to take? There has been different point of view where BR low is better vs BR will have much space more to adjust compared to those other banks which their BR is near 3.9X% What is your opinion on this?

Thanks for the explanation Jason. I was currently offered by MBB (3.2 + 1.25) and HLB (3.99 + 0.46), comparing both package all the feature almost the same. The only different is the rates on the BR and the spread. I have hard time to determine which should I choose to go with fearing in near future the BR might fluctuate more on the MBB. Any advise on this? Thanks