SCB = Standard Chartered...

for me, i will go for conventional loan... as i reckon the economy will not be recovered for at least 2-3 years. thus the readjustment of BLR will only occur by then

furthermore, u will hv 5 years lock-in only. not issue for the refinancing later

u opt to remember that for the first few years, ur loaned amount is the highest
3.5% vs 5.99% of 300k
vs
(after 5 years & we assume that the BLR hv changed) 4.5% vs 5.99% of 200k

u do the math