There are always 2 side for a coin
Lowest rate does not means the best package.

It is like you are buying a car. Do you only look at it's horsepower? and nothing else?
Housing loan is not only about the rates.
What kind of package (daily rest? monthly rest? conventional? Islamic? Flexi? Full flexi? Wannabe flexi?), what are the monthly charges/hidden charges, setup fee/processing fee, how much processing fee for withdrawal of excess payment, how are extra payment towards principal made (do i just dump all money into the cash machine and it will automatically do the maths for me?), what are the terms and condition, exactly how convenient is it for me to pay the monthly installment, how easy is it for me to get hold the customer service when i need help, how fast the bank disburse the money to developer or vendor so that i wont get charged interests, blablabla ....