Refinance Hdb loan to bank loan?

Hi! I would like to seek some of your expert opinions with regards to mortgage loan. I am currently on hdb loan (if im not wrong the loan amount is ~$450k) and my property agent told me that we can refinance the loan to bank loan to take advantage of the low interest rate. I understand that once i switch out of hdb loan, i cannot switch it back again and also there will be certain legal fees incurred. Do you guys think that it is a wise choice to switch to bank loan to take advantage of it?