Yes, and I do recommend doing that, or at least doing a LOAN TOP up. The reason is, the interest rate for a housing loan is much lower than any personal loans.

At 90% financing, RM440k house can give you RM396k, of which 96 will be in the form of cash for you to pay your PL. There are not much fees for top ups, but refinancing will cost you legal fees, which can be included into the loan (so no money out of your pocket)

Which bank is the house encumbered to ya?

It is in fact, on a good side. Is this rate before or after appeal?
Well talk to them, ask them about the terms and conditions of top ups. What is the expected rate, the tenure, the lock in period, and the costs associated with topping up.

If you are satisfied with the terms, then go ahead. Otherwise, I can help with application to other banks.

where is the property location?

Refiance got many fees payable like legal fees, stamping etc. Then many banks still charging near 4% for New Loans despite rates cut alot...

All banks.
When refinancing, do factor in all the costs involved as well before deciding whether it’s worth the additional cost. I seeked for my banker’s advices n they advised me whether worth or not.