No. Hehe...  That's too  easy. Think you misunderstood.

if you do that, meaning take the dividend to  pay for the loan you will only have 200k at the end of 30 years because since you take out every year to pay, there is no money in there left to compound.

You have to pay 1200 every month for 30 years to have 1.5m. You cannot touch the dividend at all...

May sound a lot but if you do the calculation...

1200 × 12 = 14,400.  End of 30 years you get 200,000 so you untung 185,600

1200 × 12 × 30years = 432,000. End of 30 years you get  1.5m so you untung 1M

200k untung vs 1M untung....  Hmmmm