yea, 3-4 yrs back, BLR was 6.75 and interest rate was like +0.15...so fixed interest rate was a hit back then...but now...different story dy...

surely u can try with local banks...if ur loan amount is big...some will even absorb the penalty...i have 2 fren had that offer from Maybank..but loan amount >1mil

if ur willing to pay the penalty, i think can incurred into ur refinance amount, zero-moving-cost...maybe some banks can do that...

my wife with stand chart, if u wanna try with them i can ask her...u can pm me ur details..