ASB return is highly stable and the fluctuation is small.

Take up the loan and you will reap the profit earned via higher interest rate offered by ASB.

Yung Seng is right. There is but one bane, you must be able to make monthly payment for the loan you borrowed. Depending on the loan payment years, you will benefit in the end.

I borrowed RM100k form Maybank with an installment period of 10 years. So in the end, based on my calculation, I will earn ~RM20K.

Up to you to consider if paying the loan every month is worth it though.