hi all last month i thought of fixing my loan with suncorp for 4.74 for 1 or 2 yrs and was hindered due to pending RBA Xmas gift as rates drop i guess. now the Xmas is not here yet and suncorp has dropped rates to 4.44 for 2 yrs! 0.3 drop staggered my mind. do you guys think i should hold until Xmas comes by? am i stretching way too much on generosity or it cant be better than this ?