In simple words:

If you have ready cash RM200k then just deposit it straight into ASB, this is the most profitable route.

If you don't have ready cash of RM200k just take ASB loan of RM200k, you will get higher returns compared to deposit your own money monthly into ASB account.

If you unable to take ASB loan and no cash, just slowly deposit into ASB account. It is more profitable than keep your money in bank account. And the plus point of ASB account is you can take out the money anytime.