Help me choose which house loan I should take

I wanna buy a house with the price is 430k. Alliance bank can give me a 560k loan with 4.6% interest. So I'll have about 110k extra cash after buy the house. However RHB bank offer me 430k loan with only 4% interest. Which one i should take? If i take alliance bank I'll have extra cash which i can invest somewhere like asb, s&p500 or gold etc but the interest is high. I don't really need the cash for reno but have 110k extra cash really tempting me. If I go with rhb I'll not hv any xtra cash but the interest is low. The monthly for alliance will be about 2.8k and rhb 1.9k. Both amount I can afford. I really need your guys help to decide. Thanks!