Jac, go for HDB loan. It is fixed at 2.6% constantly. No bank/credit co. can match that.
Furthermore, the impt thing is, if one day should you or your husband (heavens forbid!!) is retrenched/without a job, and thus unable to pay the loan, HDB is not so cruel to chase you out of the house. Cos you can go to your MP and tell your sob story!! I am serious.
If you take a bank loan, ha ha, no payment, you will find yourself in the streets sooner than you think.
Wow, tea ceremony at hotel? That saves alot of time & trouble liao. Then you dun change already.