General saying, if it's for own occupied, pay off as soon as you can afford. But if it's for investment purpose, you should stretch it as much as comfortable, also provided you dun have better use of money (for other investment).

One good combination is stretch to maximum, but taking up flexi loan where you can still pay regular sum/single top up to reduce the outstanding principal effectively, while maintaining the flexibility for you to draw down the extra pre-payment as and when you need it.

Bold assumption that makes people
But I do hope you are not entirely right.