If I have 100k, where should I put my money? FD or house loan. I not sure whether the calculation is right.

Assume if house loan 100k. 4.2% interest and 40 years tenure. Monthly repayment will be RM430.
RM430 x 12 x 40= RM206,400 (RM100,000 principle and RM106,400 interest)

OR

Assume 100k for maybank FD monthly renew. 3% interest and I put it for 40 years. 3% / 12 mths = 0.25%
RM100,000 x 0.25% x 12 mths x 40 years = RM120,000 interest plus RM100,000 principle = RM220,000


From my calculation, it seems like FD is better than house loan in terms of interest. Can someone correct my calculation?

I jus wonder how bank earn money if the house loan interest is lower than fd. How they gonna make money. I can use fd interest to offset loan interest.

I already said FD monthly renew. No one can show me the total amount after 40 years?
There is a calculator here. Which interest frequency?
http://www.miniwebtool.com/fixed-deposit-calculator/