When I signed my load it was BR 3.8 + 0.6 = 4.4 %

And then Ambank increased their BR to 4% so now its 4 + 0.6 = 4.6%

which I feel is unfair considering their offering new loans as BR 4.0 + 0.4 = 4.4%??!!

Is this how one gets conned these days? Can someone advise? Thanks...