I signing LO today think too late. Banker told me FHD safer less risk. To layman FHD if they dunno, they will think the same as me also haha.
I might not be fully right as there isn't any past record of FHR since is the newest product but this is just how I personally interpret it.
Coz in business point of view, which product manager will come out with a package to help client rather than helping their company?
But since u have already signed the LO, just stick to it. Maybe you save money from it in long run? Noone knows till then