thats only a problem if you plow in money MANUALLY

as far as ASB loan is concerned, you took a 200k loan upfront

ur just paying of ur debts.

if u plow in money into ASB slowly, ur gonna hit that 200k (far later than the loan)
so once u reach the cap, u gotta put it somewhere else with lower return.

i am 100% sure this is wrong

its always better to take the loan, because you cap upfront, and pay it off

and even if rates rise, you can sell off your holdings and close the loan.
if you put money every month manually (instead of using the debt route), you will quickly hit the cap, then you gonna have lower returns.

the difference in 40 years can be almost half a million

Seems like by the end of 35 years.
Monthly investment is better than taking an ASB loan.

ASB loan net profit after 35 years : Total unit value - Total Repayment
                                                    = 1,812,450.97 - 416,665.20
                                                    = RM1,395,785.77

Monthly investment after 35 years: RM1,528,086.67

Simple

You forgot to calculate the fact that when you are doing cash monthly-investment you would also be making the RM902 monthly payments. Which is RM1,528,086.67 - 416,665.20 =

A) Loan: RM1,395,785.77
B) Cash: RM1,111,421.47

yes. people complain about ASB-f giving banks money, but they never complained about mortgages also give banks money. It is either ignorance or plain "you-tongkat" sentiments in play everytime people mistakenly-argue against ASB-financing. It has its cons, but these people are pointing and arguing at the wrong trees .