I am getting a property as well so I went to several banks.

The most attractive right now is HSBC and CIMB.

HomeSmart, the mortgage officer should use computer to show you everything and even graph, isnt it?

CIMB has the same thing and additional money on top of your monthly installment goes to principal. This will be shown in your monthly statement. Reason why I chose CIMB over HSBC is because CIMB can evaluate the house at the higher price compared to HSBC - both equally good!