Normally, mortgages are tied to the property, so there's not a way to keep enjoying the low interest rate without continuing to own the property. The mortgage terms won't let you.
Perhaps there is some kind of trickery you can do to convert this loan to something else and if so I would love to hear it, but I'll proceed to answer as if there isn't.
Due to inflation (assuming 6%), the principal + interest (assuming 2-3%) checks you give to the bank in the future will, when added together, probably be worth less than the single check you would have to cut today (in early repayment) for principal only. Then there's also the advantage of having the money available for investments and emergencies. In a sense, the bank is now paying you to keep owing them money. Partly, this is because inflation compounds, but P+I don't, they're fixed payments. That's the risk the bank took when lending to you at those terms.
Financially, the simplest way to cash it out is to simply not pay off your mortgage early.
Of course, there is the fact that maybe you don't like your house anymore and want a change. Presumably, you would be paying down your existing mortgage early and simultaneously taking a second one (but now at a higher rate, like 6%) to buy the new house. You should consider the early repayment of your existing mortgage like an additional cost, similar to closing costs of the new mortgage.
It's not really golden handcuffs so much as the goose with golden eggs. By moving, you'd be slaughtering the goose. You're better off using this as an opportunity to save and grow your savings, and prepare to move when conditions change (either inflation drops and cheap low rate loans are available again, or housing prices drop and you've saved enough to buy one outright). For extra points, you can put the money in an interest bearing savings account in the same bank that lended to you. :)
Here's an amortization table with real values added:
year principal interest real_dollar real_payment real_total
1 56.4 8.2 0.94 60.8 60.8
2 58.2 6.5 0.88 57.2 118.0
3 59.9 4.8 0.83 53.7 171.7
4 61.8 2.9 0.78 50.5 222.2
5 63.6 1.0 0.73 47.5 269.7
This is a simplified cases where you have 300k and 5 years left on the mortgage at 3%, and inflation remains at 6%. You can see that a 2038 dollar is only $0.73 2023 dollars, and consequently you'll end up paying 270k in all if you do the payments. If you close it out now, you'll have to pay 300k, 30k more.