anyone receive SMS from OCBC regarding the 4.5% FD for 3months or 6 months?

Hi Sifus out there.. not sure anyone think of this?
Instead of FD, I am thinking of offer my brother RM200K in his flexi housing loan, he continue to pay his installment, and by end of the year, he shall pay me 5% interest, not sure whether the interest that saved will be more than the 5% that I charged? to make this deal worthwhile to be win-win situation?

Thks for advise. Actually. Housing loan interest is different from fd rate. As the principal will reduce gradually and the intwrest portion is much hogher during the initial stage of loan. While I am only consider the flexi housing loan.. So collateral issue is not there as we are not settling the loan. We are nerely put in the lump sum to avoid the interest part and his monthly installment remain the sane which will enable him to settke the loan sooner. When I need the money I can also withdraw from this flexi loan acct.