Pay it off early or sit it out?

Ashdec

Can anyone help me to work out the cheapest option on the following mortgage dilemma please? I have 2 fixed rate mortgage products with HSBC. Part 1 is fixed until 31/01/23 at 1.74% with £16,400 remaining. Part 2 is fixed until 30/11/23 at 2.14% with £13,950 remaining. Both products expire 31/12/2025 and revert to variable rate when the fixed term ends.
An early repayment penalty of £366.39 for part 1 and £421.64 for part 2 applies.
I have the funds to clear the remaining balances currently earning less interest than I am charged by HSBC for the mortgages, but I can't work out if it is more cost effective to pay them off now or sit it out until the penalties no longer exist. If anyone can guide me with an online tool to help me to work it out, or advise the best option I'll be most grateful. Thanks in advance - Colin