You are absolutely correct, that's why I rejected it. It is an evil plan to make us pay longer and increase their interest rate. Very fishy and cunning like if you ask me. Conclusively, they want to take out the freedom of paying  to what ever amount that we want and instead control it using LHDN. Since LHDN is involved why not integrate it to the annual tax structure. For sure every body is willing to pay if they provide some sort of deduction