Mtg/HEL Debt consolidation

I have a 30 year mortgage that I’m about 3 years into, with 70k left on it, at a 5.875% rate. I also have a 110k HEL that I believe was 20 years and 6.5% rate. The house is worth at least $250k. I’d like to combine the loans and reduce the term to 10, 15 or 20 years and help reduce that 6.5% rate (or both obviously if possible). I know that even if getting a reduced interest rate my payment will be more, I can afford it. I’m looking for what either the break even point is or how low of a rate I need to look for to make it worth doing the debt consolidation. Thanks in advance!