To make cross-band channel prediction practical for AI-native RAN, algorithms must generalize across diverse environments and support real-time inference. Existing approaches achieve one but not both. To bridge this gap, we introduce GUIDE, a physics-guided deep unfolding framework that embeds wireless channel physics into differentiable layers. Without retraining in unseen environments, GUIDE achieves 2.75x beamforming gain than the deep learning-based baseline FIRE with only a slight increase in inference time, and 1.39x beamforming gain than the strongest model-based baseline R2F2 while running over 1610x faster.