only remind you that beware of 最優惠利率 of each bank, since I morgage at Heng Seng Bank first, 2 years ago, he give me P-2.4%, then Dah Seng give me P-2.625% to transfer morgage, but today, I saw the 最優惠利率 of Heng Seng is 7.75% and Dah Seng is 8%, so, if I didn't change the morgage, I pay 5.35% now, but after transfer to Dah Seng, I pay 5.375%, pay more 0.025%, the worse is - I pay first 3 year at P rate
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