Calculating here is the only way to deal seriously with the info provided by the OP. You and two other users only responded with general criticism instead of trying to engage with the topic. What's that about?
In my opinion, to calculate seriously you would need more numbers, which are not available. Also, it is a special constellation that certainly cannot be calculated that easily, especially since we do not know how the bank refinances.
And now you push the topic into the troll corner by doubting the OP's statement. Why?
I am not pushing this into the troll corner. However, I do doubt the statement that the bank charges a flat interest rate for such a special constellation for 15, 20 or even longer fixed interest periods. I doubt that based on my professional experience.
That has nothing to do with just attacking.