If the mileage is as low as you say, it's unlikely that the camchain has worn out. However, the Achilles Heel of many, many Japanese bikes was ( and amazingly, still can be ) the cam chain tensioner.
It is a very cheap job to check the tensioner, although you will need a manual. ( Part of the tensioner needs to be measured at certain piston travel to detect wear - but they often just stick, so don't run out and buy a new onw before cleaning as below! )Normally it's a case of removing it, recovering it in moly-grease or tons of oil, putting it back. Even replacing it shouldn't cost too much.
Does the noise go away after a long ride? ( Tensioners can stick or become lazy )
With a manual to guide you ( Haynes or Clymer are good ) I'd check and re-grease/set the tensioner. You should get a marked improvement in sound immediately. If you don't, let me/us know, and we can look at other alternatives. Let's hope!