My current housing loan bank is public bank, left RM110,000 to settle, under lock in period (penalty: 3% of outstanding amount), and now just sold my house, and then purchase a new house (loan amount RM250,000)

latest of offer that i received from several banks:-

1) CIMB - ZEC, BLR - 1.95 whole tenure (Flexi, must buy MRTA, waive RM10 per month for current account)
2) Hong Leong - ZEC, 1st year BLR - 2.95, rest BLR - 1.95 (Flexi, must buy MRTA, no RM10 per month because drop the cheque book service)
3) Maybank - ZEC, BLR - 2.1 whole tenure (Term loan, must buy MRTA, need to bear 50% of RM4000 for lawyer fees even is ZEC package)
4) Standard Chartered - ZEC, BLR - 2.1 whole tenure (Flexi, must buy MRTA, RM10 per month for current account)
5) Public - ZEC, BLR - 2.1 whole tenure (Flexi, confirmed is not semi-flex, must buy MRTA, RM10 per month, and waive of penalty cost)

Please advise what is the next step should i do? appeal for better rate? meet them to know the detail of letter offer? which bank should i go for? any hidden fees or hidden info that i should concern of?

Many thanks in advanced~~!!

Yes, confirmed it is flexi, BLR - 2.1%, she did introduce me the term loan (considered as semi flex) package also, should be able to get BLR - 2.3% or BLR -2.2%. I guess maybe my profile is good, as my current loan is PBB also, they can check my good record easily.

Now i just afraid of 20 years or 30 years got the difference of total interest needed to be paid, even though i make sure i fully paid the housing loan in 10years......