If the remaining loan term exceeds 10 years, it is necessary to convert it into LPR, because in the long run, the downward trend of interest rate is a trend. Yours has only a few years' return, so you'd better convert it into LPR.

Your original estimates were 1.25 times and 6. 1.25% interest rate of 4.9%. During this change, the interest rate remains unchanged, that is, 4.65%+ 1.475%. Whether the interest rate will rise or fall next year depends on the change of LPR. If LPR goes up, so will your interest rate, and vice versa.

If you don't convert, use a fixed interest rate, which has always been 6. 125%.

At present, the newly issued loans have been priced with reference to LPR, but the existing floating rate loans are still priced based on the benchmark interest rate, which can not reflect the changes of market interest rate in time, which is not conducive to protecting the rights and interests of both borrowers and borrowers. From March 1 day, 2020, the conversion of the stock floating rate loan pricing benchmark into LPR shall be completed in principle before August 25, 2020.