GTA V highest settings will require at least a GTX980Ti (basic & advance settings all maxed out at 1080p 60Hz). I tested with GTX970, basic settings can be turned on to max (including population/traffic density etc. provided your processor is not bottlenecking with i5 mininum), but once advance settings are turned on, FPS drop occurs everywhere.

Your budget cannot fit a GTX970 so highest setting is not possible for now, and you requested SSD to be included which is even harder to build a decent gaming rig that can handle games smoothly.

Intel Core i3 4170 - RM 486
Asus H81M-K - RM 229
Kingston HyperX Fury 8GB DDR3 1600MHz RAM - RM 220
Gainward GTX960 2GB GDDR5 Reference - RM 799
Kingston HyperX Fury 120GB SSD - RM 229
WD Blue 1TB HDD - RM 225
FSP Hexa+ 550W - RM 189
Thermaltake Versa H25 - RM 139

Total: RM 2516 (Techview price inclusive of GST)

The degradation of MYR has caused hardware price to increase for the past few months, it is possible to get a i5 + GTX960 under RM 2500 last time FYI. If you wish to run future games at smoother frame rate, I suggest you to save RM 1000 more for i5 + GTX970/R9 390.

Temperature within good range?

You have VSync on, that's why FPS will cap to either 30 or 60. When FPS drops below 60, for example, to 40, then the system will cap you to nearest 30, this is because of VSync, some games do have 45 but seems like GTA V doesn't have it.

So you can try to reduce graphics settings and see how it goes, most probably can solve this issue.

Normally GPU usage won't stay at 100% full load when VSync is turned on, if you see your GPU usage is below full load, it means your GPU still can handle higher settings during that particular scene/moment.

You can try turning the VSync off to see full load on your GPU, this is because your GPU will render the game at its max potential, but please take note this will cause the temperature to increase very fast.

It's ok. I am fine with your suggestion.
Thanks terence! Have a good day.

Also if anyone has their suggestion too please help me out before I buy (don't want to regret after )

Will cooling be an issue for the Zotac GTX960 single fan? It's so cheap that I'm abit worried. Anyone with experience with this?