I also debated between a yorkie and a maltese - and my husband and I decided on a yorkie. I love the maltese color and the curly tail, agh, I wanted one so badly - and still hope that one day I can get one (but not anytime soon).
We chose a yorkie because they are (supposedly) so much smarter and quicker to learn things. Both my husband and I have always wanted a smart dog to teach all sorts of cute tricks
(and we did! Check out these online videos we made of him!!)
I can imagine that the beautiful white maltese's coat could get dirty - easily, well, it would show dirt, more. But best of luck to you in your decision. I know whatever dog you choose, you'll fall so in love with him/her, you could never imagine life without!