An example might help clarify. Say you paid 3000 for an Inside, when a Balcony would have been 6000 at that time. Later, the prices reduce to Inside 2000 and Balcony 4500.
You cannot get a refund of 1000 to stay in the Inside. If you want to upgrade to Balcony, the charge will be 4500 (new price) less the 3000 you've already paid, ie 1500 to pay. You can see the prices online, but will need to phone to make the change. As far as I know, it does not depend whether this is before or after the final payment date.
That is, you can take advantage of the lower price if you take an upgrade and spend more money in total.