i have been trying to switch my 5.99 AIA to another bank for about 2 years already and that will cost me about 2-5k just for the change, they don't call it lock period but whatever they call it, you will have to pay extra for that to happen.

I would take the 5.75 deal but in general if you still insist then you will have to call AIA about the switch, ask them to calculate a total cost you have to pay until the loan is cleared in AIA, then contact AMBank officer to pay for that amount if you transfer the loan over, if you have a deal, then congrat.