the property is not for investment. i'm currently living in there.

yeah i remember the formula

(A – x C x D

A= borrowing rate originally fee
B= Investment swap rate
C = remaining fixed Period of Loan
D = Current Loan Principals,

what i dont' know is how to calculate my current rate, so i can compare with the variable rate, to see how much i'm paying per annum with each Rate, wonder if it is worth switching from Fixed Rate to Variable Rate now, considering the breakup is $18,000