Floating mortgage rate - most banks advertising around the 5.5~5.99% range, centred around 5.75%.

Talked to my bank manager last year and was offered a 0.25% discount, which appears to be normal back then for anyone mentioning "other banks" that would offer them a discount.

Now things may have changed quite a bit. Have heard quite a few ppl getting 0.5% discount or more. HSBC also advertising a 5.29% 1 yr fixed rate for 500k+ loaners.

Just overheard that someone got a 4.5% floating rate from Wxxxxxx. I'm not sure if that's even possible - consider that it's lower than some 1 yr term deposit rate banks are paying out.

So, my question - what discount have you got? I'd imagine 5% floating is not completely out of question right now...

Don't mention 90 days bills - you'd be out of the average Joe league ;)