Ask yourself first, what are you going to do with the extra money if you are not going to pay more at first year.

Justify if the extra money will brings you more benefit than paying the home loan, when I say benefits, it does not always mean numeric return/money, it can be a good vacation, an upgrade courses etc. Life is more than calculating numeric returns.

If you are going to invest the money, think if the return more than your cost (extra home loan interest incured). Also judge your risk appetite.

There is no straight answer to your question, it varies across peoples.