I'm using HSBC homesmart and i would say i'm happy with it despite RM10 per month maintenance. Overall, it's fully flexi so you don't have to give notice for withdrawal and can withdraw from as low as RM10 with multiple of RM10. You can deposit extra if you had and for me, it's basically the same as other mentioned, received pay everyone and allocated all into HSBC with some small buffer in other account. All payments made via credit card as you got 20days credit. Then paid through via your HSBC Homesmart. It's also a good thing to dump all your savings into it as if you have saving in other accounts, eg FD, the interest gain will be subject to tax while if you allocate it on your HSBC it reduces the interest payable and thus not showing any interest income.

It can never be the same. I computed based on my own excel and i got the exact interest charges they charged me. So i can say it's not the same. if interest not the same, monthy instalment shouldn't be the same also.