20k is not much difference after dividing it into monthly installment for 7 years. Go ahead if you really want X70. Then again, X70 is still new and has not proven itself to be reliable car. Honda City on the other hand has proven track record of it's reliability. There is also the after sales service that you need to consider. Honda's vs Proton's service. Like comparing sky and sea. Don't get all hyped up by the reviews. Most of them are paid reviews because in Malaysia you cannot make a living being an honest reviewer.

Having said that, on specs and hearing from streets, the X70 does is a very nice car. If you do not mind the "loss" of selling your old new car then go for it.