The RM185 will go to principal and interest payment. So you only get the principal payment.
If you want for early termination, there is another technique doing it.

This is just an example. You take 100k LASB for 25 years but spilt into 5 cert (20k each).
Every 3 years you buy back 1 cert with the dividen money (RM6500 x 3 years = RM19500)
Instead of waiting 25 years to get the cert, you'll get 100k cert in say 10-12 years.

A friend of mine doing this technique and he already bought 2 cert.

Can we sell asb 200k for cash then continue paying the loans monthly?

islamic financing ada harga siling.. max interest rate
ambank dah confirm naik? semalam banker bagi tahu belum ada info frm HQ

Do u have any calculation done to support.

I did a calculation in excel using my own current situation.

I have 2 loan (ASB1-200k with HLB, ASB2-199k with CIMB)

Using 6% as fix divident declare every year until 30 years later. (whether u use ASBF or own money, the Divident viariable actually not much significant unless the divident fall below the interest rate)

Condition 1:
Cash of 110,800 + using ASBF (399k) Monthly installment for both bank - RM2109 for the next 30 years. No withdrawal at all and let the divident compound.

End of 30 years: I will get RM2,762,294 (included the 399k ASBF upon maturity) while paid RM759,240

Condition 2:
Cash of 110,800 + Monthly Saving of RM2109 for the next 30 years. No withdrawal at all and let the divident compound.

End of 30 years: I will get RM2,611,875 while paid RM759,240

So if somebody still tell u use own money save, ask them how they do their calculation.
It's ~RM150k difference by the end of 30 years and using same effort (monthly RM2109)