Both the HK and the FAL are more than capable of 2.5 MOA, and both are very reliable. The key is to get a well made one. The FAL seems to have the better ergonomics.
The best HK clones are made by JLD Enterprises. It's their PTR-91 model, and retail is about $750 or so for the basic model. I have one and love it. Mine is incredibly accurate.
The best FAL clones are made by DSA. Their STG-58 is built from Austrian parts kits manufactured by Steyr assembled on a DSA receiver (with the requisite number of U.S. compliance parts, of course). Their SA-58 is all new parts made in the U.S. Both are excellent rifles. The StG-58 retails for around $900-1,000, and the SA-58 starts around $1,500 and goes up from there.