long term trend:3 M sibor versus 3M sor

[GORDON]

Dear fellow experienced investors.

Since 2009,3m SOR is about 0.1% below 3 m sibor
because of sing dollar getting stronger against USD,
however i am not sure of the trend for the next ten years

for my bank loan: over next 25 years for 350K outstanding,
my current base is using 3 m Sor
should i switch to 3 m sibor?
Does anyone think better to choose 3 m sibor as will the sing dollar weaken against USD in next 10 years? eg Sing govt weaken sing dollar to improve export competiveness

[newbie11]

If dont know, then choose bank of china loan. Only one with switching.. Or anz for exposure to 3m combo