Which bank better based on your experience ? in terms of interest rate, flexibility, etc

I check RinggitPlus rank Maybank and Public pretty high, in terms of favourable interest rates

I book property from Ideal Property Group, their recommended bankers are from CIMB, HongLeong, UOB but I do quick check on Ringgit Plus, seems like interest pretty high

I think they gonna send me a CIMB bank banker since my main bank acc is CIMB. First time Home buyer, what to look out for ?

Is there any cap/limit on interest offset for its full flexible loan?
PBB: 70% of balance in current account, 30% goyang telur
HLB: 70% of remaining principle.