中介的banker给了我一个SC的rate，各位看看。这4个哪个划算？对比maybank呢？ 1 year fixed package 1st year - 1.95% ( fixed ) Thereafter - 3mth SIBOR + 1.25% (floating) - Lock in 1 year - 0.5% legal subsidy capped at $2,000 - Free fire insurance throughout loan 2 year fixed package 1st year - 1.50% ( fixed ) 2nd year - 2.50% ( fixed ) Thereafter - 3mth SIBOR + 1.25% (floating) - Lock in 2 year - 0.5% legal subsidy capped at $2,000 - Free fire insurance throughout loan 3M/12M SIBOR package (Min $100K loan) 3M/12M SIBOR + 1.55% (Throughout) - No lock in period - No partial/full redemption penalty - 0.5% legal subsidy capped at $2,000 - Free fire insurance throughout loan - 1 Time Free Conversion 3M/12M SIBOR package (Min $250K loan) 3M/12M SIBOR + 1.25% (Throughout) - No Lock In Period - No partial/full redemption