imno,
everyone have to anticipate adverse future such as retrenchment, losing ability to work (touch wood) and etc.
don't say 60%, 50% also considered risky as putting own-self in the edge of cliff already; especially in current malai bole land economy/market which is bleak like Death Metal music.

What if monthly income RM3000 but have FD 500k and use the interest to pay housing loan?

Don't talk cock laaaaa monthly income 3k FD 500k zzzz