To get Max return, what u shold do is:

1- take the longest tenure (this will make the return higher. eg: loan 30k,monthly RM175, if the dividen is 8%, ur total return of the year is actually 14.3%. U Pay RM 2100, but ur dividen RM2400, Instant Profit RM300 that year. 300/2100 = 14.3% - Not to forget, you will get the RM30k in 25 years time. Every year profit 14.3%, after 25 Year another Grand 30k. waha!

2 - Split ur ASBloan acc. eg: instead of just 1 ASBloan RM200k, u can do multiple account like RM30k x 5 account + RM50k x 1 Account. The best thing here is if you suddenly hit a jackpot (Bonus/jual tanah,ETC) u can closed 1 account. Or u never roll the dividen, each year get RM16k Dividen. 2 years accumulate, RM 32k, so closed one of the account. Your monthly reduced & now u own 30k of Normal ASB, not ASBloan. By repeating this method, u'll Get your RM200k in ASB within 10-12 Years time. High disipline needed.

All da best!

Now everytime you go to Maybank to open ASB account the salesperson will push you really hard until you agree to take this loan 

It is one of the ASB Loan technique. Depends on your goal, you can choose how much to loan and for how many years. Not necessarily 5 years.

Most banks now offer 30 years loan tenure. If still eligible,  it's recommended to go for max tenure to maximize profit.

ASB Loan in general is always profitable, but the difference is there are number of ways to maximize the profit.