I still have more than 10 years but I don't want to be in a situation where I have no other option left besides mandatory salary deduction. I still have other commitments to factor in so I cannot afford to have this last minute heart attack again.
The earlier proposal, it is 5x from my monthly repayment though I always pay more but not to the extent of 5x..

At least I know there won't be discount anytime soon with this new government. I am withdrawing partially but still quite a hefty amount from my Account 2, I haven't withdrawn for my house yet. Will do so when I'm moving in.. The drawback is not much left inside now. These two years have to save as much as possible from my own savings.

Well, there's no right or wrong in this issue. It's everyone's preference and budget estimation.

The monthly deduction amount that you sticking to is which amount?
The original amount as per contract or new amount announced recently which could be double or triple the original amount stated in the contract?

Since direct debit has no more discount, better pay manually every month and enjoy credit cards cash back.