I agree. There is no dog that is truly hypoallergenic. I'd also worry that even if the dog doesn't bother your allergies, your "someday" baby may have allergies since he or she would be more likely to. Allergies are one of the top five reasons dogs are turned over to rescue.
Have you made a list of the reasons you want a Yorkie or Maltese? Personality and suitability to the family is much more important than looks. Often people choose this breed because they are so gorgeous (no prejudice here!
) without considering the more important factors.
If you do decide to get either breed, I would really urge you to get one that is on the higher end of the standard size-wise. A five pound Yorkie or Maltese is just not a good idea with small children.