Halo peeps, may I know following the budget 2022 PTPTN discount, is it wise to pay 1 lump sum or pay half?

Last time they did 20% discount, this time 15% for 1 lump sum repayment, kinda think that the 5% reduction is a key deciding factor.

I'm not sure if it's a good move to pay large amount, need to seek a second opinion..