Is it SCB? They also gave me an iPad air. After that I transferred out my money to another bank. Haha

Overlooked my Ocbc matured on 17 July. Yesterday went to HL bank, was told 4.25% no longer available. No wonder didnt see the crowd.
Only Islamic FD 4.1% for 6 months, interest credited either monthly or upon maturity. Opened Islamic account FD, everything done in less than 10 minutes.

There is no HL Islamic branch. Islamic FD is a product which can be placed in any HL bank. Most banks have both conventional and Islamic FD. BNM will reduce further the OPR this year to stimulate the economy if the 25 basic points does not bring in any positive results. Reducing further OPR will make ringgit depreciate and this is the factor which BNM needs to consider before having another round of reduction.

In view of that, it is better to lock in 12 months rate if one does not need to use the money. Cash is king now in property market.