He who feels pain when paying off debts is not fit to leverage on debts as an investment strategy

It would be in your best interest to refinance your home loan right now, making good use of the low interest rates. You would not want to be making high installment payments during an economic slowdown. It is just not sensible to do so.

Debt is like a double edged sword. Use it well and you shall win the war. Use it wrongly and you shall see your name in the tombstone...

As long as you have a debt from the bank, you are working for them, not for yourself.