@user94 My advise OP is to:
A. refin with Pag.Ibig. Get a low rate and have it fixed for a longer loan term.
Downside naman sa pag.ibig is super hassle ang process from loan application to loan release. Then, madaming fees from docs stamps to notarial, appraisal ng property, including registry of deeds fee.
Ang ala ko, the don't have what other banks call field support, so ikaw talaga lalakad ng papers mo.
B. To negotiate with BDO for a lower rate. Or, (same with BPI) if you are a preferred client, maybe they can give you a competitive or combat rate that would make you stay with them.