Do you know what is the reason?
Good time to go change?
I am not sure of the reason. But I think once hit rm2.50 just change first. If the rates go better its fine as there is a higher chance of rates dropping back below 2.5 and hovering arnd 2.46-2.48
On the overall the rates at end 2012 is much better than 2011. So we shld be happy no matter the rate