Imagine this way pulak... you put 500k in FD after a year getting 4% interest and compounded back into 500k. now you hv 520k for next year FD. 2nd yr you hv 540.8k, 3rd yr you hv 562.4k, 4th=584.9k, 5th yr=608.2k.

so, you gain ~21% for 5 yr FD. of course you need to allocate your monthly sallary to service your loan. after 5 yr, refinance your property... boom!!!, your r millionaire.....