If you are good at investing in stock market, there is nothing wrong  with borrowing money for interest rate at or below 3.75% and make 10% in return. It is a no brainer especially for 2016 when some TSX banks share price gone up from 30- 50%. Dividend payments alone will cover the cost of borrowing. To add another kick to this strategy, the interest rate for the borrowed money is tax deductible. Go figure.