Floating home loan

Hello Sir,

This this my personal question. I have Floating Home loan from HDFC for 24 LACS. My Current Rate of interest is 10.50% and bank is offering 10.15 with Conversion fee of Rs.6000.
Please advise what should be correct approach, RBI is likely to announce RATE CUT in Jan 2015. IF that time HDFC Banks will announce rate cut and again I have to Pay conversion fee to avail better Interests Rate. What should be the best way? Should I wait for Rate conversion till Jan ?

Thanks in advance