Bank Islam 5.5% flat for some company. U can ask them. Up to RM150k. And i just took RM30k from Al-Rajhi and RM30k from Hong Leong. Both monthly installment is about the same. Like what the guy said, its all about how they calculate it.

I took Al-Rajhi because i plan to pay back in 2 months and their penalty is only 2 months of interest. Eg. pay full in APR and the penalty is installment for June and July (about 1200).

Hong Leong is about the same but they give u rebate. Penalty is around 3k for early settlement. 3k if u pay up before 6 months.

I didnt take Bank Islam because they will take about 2 weeks to process loans above 50k