Hi all would like your advice:

i have 2 same offer from HLBB and MBB,

90% loan
35 years
3.85% rate
MLTT 15 years
Full Flexi,

between the 2 which one would you choose if all are the same. and any reason why. My first and main bank acc opened was Maybank and been using it until now. never used any service from HLBB before.