I would not spend 400k on my degree if i were you. Sometimes people tend to think that Malaysia is hell, and foreign countries are all paradise.

Borrowing money from bank in order to further study in overseas is actually not a wise idea. You should know that not everything will go on as what you've expected. What if something's gone wrong during your period of studying ? What if you can't find a highly paid job in UK after graduation ?

If you really borrow loan from bank, you will be a debtor. Just try to think about it. You have not yet graduated, and yet you're already a debtor who has RM400k loan to pay back ? Do you really want to spend so many years to pay back the money which is used to get a degree in 3 years ? Does it worth ?

I would suggest you to choose NUS as it is highly ranked in Times Ranking 2009. Besides, the currency rate of SGD is 2 times lower than GBP.