BLR is 5.25 in Royal Scotland bank
best offer from allianz BLR - 2.2%

I would say

1) ask your bank to match that
2) asked for waiver of penalty to pay off the full loan amount or else you will default this loan before a certain date due to certain condition.
3) borrow from affin bank to pay off a big part of current loan, make it in a way that your total monthly pay out is the same but to 2 diffrent bank, you will find you save about 10-30% with today's rate

4) leave the loan as is now, buy Public Mutual Alpha-30 or KNM stock, 3-4 years later then settle the loan with cash, you will find yourself having some extra 10-30k

good luck dude !