At the moment, the odds for the Champions League final Dortmund - Real Madrid are as follows:
4.80 - 4.40 - 1.63
Real is the favorite based on literally everything (the selection of players, the position in the national championship, the difficulty of the path to the final that had to be overcome), but Dortmund also has a chance. Dortmund is the kind of team that can beat anyone on a good day, so the final will not be easy for Real.
Madrid are of course favourites to win the final because Madrid have everything they need to win the Champions League this season, experience, mentality, consistency and also a star squad are certainly the reasons many people make Madrid favourites, as you said, at the moment Madrid have small refund money compared to Dortmund if we bet on their victory, Although it is very likely that we will be able to get money from the bets we make later, but I think there is nothing wrong for us to go against the grain by betting for a draw or Dortmund victory, so that if Dortmund win or draw of course we will get bigger money even though the chances are very small, but isn't everything possible in football?
Despite all the predictions, of course I will try to bet on Dortmund because there is still a possibility that Dortmund could force Madrid to draw in the final match, Dortmund of course has anticipated the attack and also the pressure that is indeed given by Madrid in the game, because I think Edin Terzic will certainly have a strategy and also a special tactic to stop Madrid in that match as they did when against PSG in the semifinals.