The whole point of any investment is your "Exit Price" or "Cash Flow".

If you aim for exit price then, try listing a few potential reason why your property might get a bump in price next 10 years. If you cant think of any, i would suggest you exit now and put your money into EPF, stocks, bonds.

If you aim for "Cash Flow", i would suggest paying of that 550k as soon as possible with whatever means you have, even by EPF. I know alot will bash me as its deemed less profitable compared to the effect of compounding interest in EPF and what not..but im in the school of thought of Dave Ramsey..compounding interest is irrelevant compared to opportunity cost of your peace of mind, which opens you up to other more profitable/emotionally fulfilling venture.