CIMB is shiat. BLR rate just increased, was told lowest rate I can get is 4.7-4.9%. Service also sucks.

Actually you should do more research when yours is marginal case. The two banks that you mentioned are quite conservative, but HLB have good DSR policy for high income brackets. CIMB is slightly more lenient but their base rate just increased, they quoted me 4.7-4.9% minimum for a <500k property last time. Even if you can qualified for the CIMB, you've already been rejected by two banks, which will appear in CCRIS and will affect your chances of getting loans from other banks. When you kena rejected by few banks at the same time, banks would be reluctant to lend you as they would wonder why other banks rejected you.