I wish to opt for hybrid home loan, whereby it is fixed for the 1st few years thereafter only use the floating rate. This can ensure that we know our own calculated risk and enjoy a lower rate later. The BLR life cycle is at its bottom now, so i assume it will increase soon, therefore i choose to use fixed rate 1st in order to avoid a higher interest rate. However, which bank offers the best rate?

I've searched using fiscal-wise before, however it did not show all the banks packages. Therefore, i would like to ask if anyone here knows any good packages that can recommend to me.

tat's my main problem... coz i dunno whether BLR will move upwards or stay stable. If somebody can give me an idea how to utilise the current loan packages to minimise my risk, tat would be very nice.

tat's wat i'm thinking now... however, the current market fixed rate for 5 yrs is ranging from 5.5%-5.99&%, which is quite high. If there is any package offering less than 5.5%, that would be quite nice. but i heard from my friend saying that, even if the bank is offering a fixed rate, there is a clause whereby they can revise the fixed rate if BLR went up to a certain level. Is this true? Then wat's the point of having a fixed rate?

but taking a fixed rate for the whole tenure means a higher fixed rate amount will be imposed. So, i am thinking of getting a fixed rate for 5 or 10 years and floating rate after that. With this i have the opportunity to refinance my house after 5 years (lock in period), depending on the market condition.