As long as your marginal tax rate is below 100% you’re better off with Downpayment scenario.
The only reason to not pay as much as possible from your mortgage would be if the return is higher than the mortgage rate, which is not the case in your example.
My logic think if I can get more return that 2.4 is better to decrease the mortgage than in a savings account for example, same principle should apply for pledging, direct vs indirect amortization…
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