What are you aiming for or hoping to achieve by waiting? Lower interest costs? Then you would have had to save 0.4% equity in the last six months with regard to your financing needs. By the way, this is still relative to the financing plan, because the interest rate increase must be considered for the entire years until repayment.
There may be other reasons, which is understandable and acceptable, but not being able to contribute more equity, because that would have had a negative economic effect, an effect that, from my point of view, will continue to have a negative impact month after month! The increase in interest rates that has occurred now and, in my opinion, will continue to rise, is something I personally could no longer make up for by saving!