Hi, Can I ask the bank for revise interest rate if my loan still under locking period?

One more help needed, can anyone share their sample letter to bank to request for revise interest rate? thank you very much

Do I need to send the letter by hand or by mail will do?

Re-Financing Home Loan

Property price : 253K
Home Loan Outstanding : RM197K
Loan Margin : Highest possible
Loan tenure : Longest possible (current age = 34)
Property Status : Completed
Property Location : Puchong
MRTA/MLTA : Not decided yet

Can offer me an attractive package?

Current home loan bank had offer BLR - 2% (Previously is BLR - 1.35%) with 5 years locking period, is it a good deal?

I had some queries which need advice, the bank officer had informed that the monthly installment after the revised interest rate is a bit higher than before revised, can anyone explain to me how the bank calculate this.

Besides that we had advance payment of RM15K in the account but why they don't take consideration in calculate the monthly installment?