Hi guys, need your opinion on my mortgage package as follows:

Bank A
MOF 100% RM300,000 for 35 years
Compulsory MRTA RM7,617.99
Legal Fee RM3,264
Total RM310,881.99
Rate 3.45%
Special condition: need to take medical insurance for 1 year at cost of RM575


Bank B
MOF 100% RM300,000 for 35 years
MRTA 2,327
Total 302,327
Rate 3.55%

Should we always opt for lowest interest rate?
I am keen towards bank B as the montly commitment is lower. but in long term view for the next 35 years is it wise to pick bank B?
I would like to take MLTT in the first place but seems like most of the bank "force" for a MRTT