Ask StanChart to revise your rate. Depending the loan amount, from my rough estimation it's about 250k principal left unpaid. So ask for something around BLR-1.8% if not 2.05%. No not to pay anything but just another 3-7 years lock in from the date of revision.

Out there, a lot of bankers will ask you to refinance. Well it's our job and to be frank, if they don't revise the rate for you then refinancing is not a bad option. Normally the minimum reduction of at least 50 basis point (0.50%) is needed before a refinancing case is worthwhile and right now you are paying 6.50% while the market is giving BLR-2.0% (4.75%) for loan amount of 300k.

Btw, is your rate a fixed rate? Right now StanChart's fixed rate is BLR-1% (5.75% still better than 6.50%) with a cap at 9.90%. Just let the officer know that the bankers out there are giving you BLR-2.0% with cost absorb (only loan legal, no penalty absorb) if you refinance to their bank.