nowaday banks offered those sibor + 1.0%( or 1.3%) which is quite a good deal because sibor is less than 1% now. But the highest record was around 10% in 1999 or 1998. you will jump down from highest floor if you have to pay 11% for interest rate.
other plans are like 1.xx% for 1st and 2nd year then 3.75% thereafter.
i dont know which plan to take, any financial expert here? is sibor going to shoot up coming 2-3 years?