Lane-level navigation is critical for geographic information systems and navigation-based tasks, offering finer-grained guidance than road-level navigation by standard definition (SD) maps. However, it currently relies on expansive global HD maps that cannot adapt to dynamic road conditions. Recently, online perception (OP) maps have become research hotspots, providing real-time geometry as an alternative, but lack the global topology needed for navigation. To address these issues, Online Navigation Refinement (ONR), a new mission is introduced that refines SD-map-based road-level routes into accurate lane-level navigation by associating SD maps with OP maps. The map-to-map association to handle many-to-one lane-to-road mappings under two key challenges: (1) no public dataset provides lane-to-road correspondences; (2) severe misalignment from spatial fluctuations, semantic disparities, and OP map noise invalidates traditional map matching. For these challenges, We contribute: (1) Online map association dataset (OMA), the first ONR benchmark with 30K scenarios and 2.6M annotated lane vectors; (2) MAT, a transformer with path-aware attention to aligns topology despite spatial fluctuations and semantic disparities and spatial attention for integrates noisy OP features via global context; and (3) NR P-R, a metric evaluating geometric and semantic alignment. Experiments show that MAT outperforms existing methods at 34 ms latency, enabling low-cost and up-to-date lane-level navigation.