for me... it all depends ... if you are a priority / premier customer for the bank, you can negotiate for a better rate...
and bank rate also depends on the amount that you loan...
<100k - Standard Chartered
100k - 200k - UOB / Standard Chartered / MBB
201k - 300k - Ambank / UOB / PBB
301k - 400k - MBB / Ambank / UOB / PBB
501k - 1mil - MBB / CIMB / Ambank / UOB / PBB / Aliance Bank
>1mil - MBB / OCBC / CIMB / UOB / PBB / Aliance Bank
Well at the end of the day, it all depends on your income supporting document and relationship with the bank and last but not least your CCRIS + CTOS + DSR