Just look at it like this. Let say you are taking the 200K loan. So one month give or take RM1170 according the Maybank loan table. You pay for the first year, then starting from the second year onwards, you use the dividend and bonus to pay (Last year was 8.75%) So how much capital that u used? RM1170x12=RM14040. Assuming the dividend rate stays stable, after 25 years you will get give or take RM470K in your ASB.
So initial capital RM14K. After 25 years turns into RM470K. You don't have to be a financial expert to see that the percentage of gain is BIG!
Entering second year, you don't have to service the loan anymore,you use the dividend to service it. So 1K extra per month to invest in other investments vehicles (Gold/other UTs/Property/etc) The key is to diversify your investments. You have the comfort in mind that after 25 years, there will be half a mil waiting for you.

BTW, this is a good ASB calculator using Excel spreadsheet. Download and play with it for a while. You will see my point.

http://www.irwan.biz/asb-calculator-v3/