3.85% is current rate

Semi-flexi as in there's capping or maintenance fees or withdrawal fees?

I got full flexi from RHB with 3.95%. Loan amount RM600k, no MRTA, no capping, no withdrawal fees and no maintenance fees.

Previously was offered with 4.0% without MRTA and 3.90% with MRTA, the banker are good and kind enough to help me to do appeal and final I offer I got are 3.95%

I see, I heard Islamic when you do withdrawal, you need to physically go to the bank and queue. Only conventional you can do via online thru their app. This is what banker told me, you might need to double check with your banker ya.

Free parking   

No use, I'm taking MBB too. The criteria for premier banking status is to maintain at 250K casa if loan is below 1 mil for the service.

Since HLB gives better rates why not go with HLB. My 2 cents

For me maybank wouldn't even drop to 3.8% (UOB and OCBC offered me this), so... maybe different evaluations of my situation.