So, if hit 2.75. will stagnant for 2.75 if we continue to deposit 500 monthly correct? Will be got beyond 2.75?

And if miss will drop to 2.65 only rite?

My RM shared that there's a new type of saving account from Citibank called "Citibank AcceleRate Savings Account - High Interest Savings Account"

URL: https://www.citibank.com.my/english/deposit...SavingsAccounts

The 4.38% is capped at RM 30k

Not really.
The base rate is 0.5%
The bonus rate is 4.38% capped at RM 30k is only meant for incremental fresh fund.

that's a way to beat it
month 1: 30k, earn 4.88%p.a
month 2: withdraw to ocbc 360, earn 4.1%; citi earns 0 takpe
month 3: put that 30k back to citi, earn 4.88%
rinse and repeat

The "beat it" method (thanks for the name) 24/7 offers accessibility, while FD, you will burn all the interest upon touching it

And, a dude told me that, HSBC perks at work has the similar trait for 5%, so rotating between these 2 accounts, will potentially make 4.94% per annum.
https://sp.hsbc.com.my/ps