请教大家，房屋贷款哪一种配套更适合我？谢谢

房屋贷款还剩下187k,请教大家，哪一种配套更适合我的情况？OPTION A:  FIXED 2 YEARS (2 YEARS PENALTY PERIOD)(For completed properties with minimum loan balance of $100,000)Yr 1: 1.82% (Fixed)                               Yr 2: 1.82% (Fixed)                               Thereafter: 1.98%(ML + 1.13%)*Mortgage Rate (“ML”) is the Bank’s prevailing UOB MLC Rate_HDB which is currently at 0.85% p.a.OPTION B: 5 YEARS FIXED RATE PACKAGE (5 YEARS PENALTY PERIOD)(For completed properties only,  HDB Loan –Min S$80K Loan Outstanding)Yr 1: 2.00% (Fixed)Yr 2: 2.00% (Fixed)Yr3:2.00%(Fixed)Yr4:2.00%( Fixed)Yr5:2.00% (Fixed)Thereafter:  2.00%(ML +1.15%)UOB MLC Rate _HDB (“ML”) @0.85%