Hi guys 1st time buyer so hope can get some advice esp for those who experienced HLB and/or RHB full flexi.

Loan amount: RM420k

Opt 1: HLB full flexi, 4.35% exclude insurance. If confirm take MRTA from bank, banker will try to get 4.2-4.25%. (Either get a min MRTA + MLTA or banker quoted 60-100% MRTA 30yrs ranging RM6k-RM10k)

Opt 2: RHB full flexi, 4.2% include CLTA RM17k, total loan amount RM438k, sum assured RM438k 30years.
HLB vs RHB
- One account only VS CA/SA + Loan Account
- Any amount put in can offset principal VS multiple of RM1000
- 1 time transfer/withdraw straight to/from Loan Account VS 2 times transfer/withdraw through CA/SA to/from Loan Account
- RM 200 processing fee VS RM0
- RM 10/month maintenance fee VS RM0
- 70% capped to offset balance VS No capped
- 5 yrs locked in period VS 3 yrs
- Both no withdrawal fee
Any other differentiation in terms of online banking features, is it ease of use, online statements, can check detailed repayment history like how much go to interest and principal, extra payment will go where etc.
Anything else I should take in consideration?

Thus far, full flexi is mostly 70% capped.  No more 100% capped if I am not wrong.