Grease an 8-inch square pan with oil. If using banana leaves, wipe them clean and lightly grease them.
In a large bowl, combine glutinous rice flour, rice flour, sugar, coconut milk, water, and salt. Mix until smooth and lump-free.
Divide the mixture evenly into 2 bowls. Leave one plain. Stir the ube halaya and ube flavoring into the second bowl until smooth.
Cook the ube mixture over medium-low heat. Stir constantly and scrape the pan as you go. Keep cooking until thick, smooth, and slightly pulling from the pan, about 13 to 15 minutes. Spread into the prepared pan.
Cook the white layer the same way over medium-low heat. Spread over the ube layer.
Combine the coconut cream, sugar, and salt for the topping. Cook over medium heat for 3 to 5 minutes, stirring often, until slightly thickened. Spread over the rice cake.
Bake at 350°F for 20 minutes. Switch to broil (low) for 3 to 5 minutes until lightly browned on top. Watch closely so it doesn't burn.
Let the inutak rest for 30 minutes. Serve warm or at room temperature.