No, it’s 400k each

You will need to wait for announcement from MBB, it's not automatic.

Better check with your lawyer, I remember that my lawyer ask me to sign a document which acknowledge that I don't own any property in order to qualify for stamp duty waiver.
I thought HOC suppose waive stamp duty even for those not first home buyers? Or HOC 2020 has different conditions compare to HOC 2019

Your picture information not blanko properly.

You can say so, although it's explained in the islamic concept.
Subject to your offer letter T&C, some banks allow, some don't.
Yes normally will be 0.5% - 1.5% higher
Normally on the dot if it's standing instruction.

For MBB flexi loan, there are a few things you need to clarify with them. From what I know,

1. Interest rate is higher than that of semi-flexi loan

2. Fully flexi comes with compulsory overdraft. There is a commitment fee of 0.5 or 1% on unused overdraft. Which means, if you use the overdraft, you need to pay x% interest. The remaining unused portion will be charged a commitment fee.

3. Monthly maintenance fee is RM5

Edit: there are banks which have fully flexi loan without overdraft facility, which means you don't have to pay commitment fee.
I think you equate cheque book with overdraft. Cheque book is available if you opt for fully flexi loan which comes with a current account for you to park your money to offset principle and pay installments.

2. Do you have overdraft facility?

I asked in Feb or March, all flexi will have OD facility. Cannot opt out. Maybe they changed their tnc recently or I kena goreng.

When was your loan approved?

I think you had better check with your bank.

Ask another mbb loan officer. Maybe that guy is new.