There are a lot of misunderstandings in this post. Let's deal with them one at a time:
> So God has a plan for everyone right down to the moment they are born.
This is not a biblical teaching. So your first premise gets you off on the wrong foot in the wrong direction with something that isn't true.
> If God lets you be born into a Christian family and be raised Christian
Being born into a Christian family and being raised a Christian doesn't make one a Christian. A person has to become a Christian by a willful choice. No one is a Christian because they were born into a Christian family and raised that way.
> God decides to let you be born into a Muslim family.
God doesn't decide who is going to be born into what family. We take care of that ourselves as two people become pregnant and give birth to a child.
> Now lets say you do come into contact with a missionary who tells you that you need Jesus and be saved. You say NO!
Now what? you go to hell or be punished or whatever it is that happens that Christians can never agree upon as to what happens after you die.
Right. Those who do not turn to Christ but willfully reject him will be subject to the proper judgment for a willfully ungodly decision.
> So basically God lets you be born as Muslim but if you reject Jesus you are going to hell.
God doesn't make people be born Muslim. But it's true that whoever rejects Jesus has to face the consequences. Muslims regard Jesus (Isa) as an important prophet. He was born of a virgin and performed miracles (both of which are untrue of Muhammad). There are more teachings in the Qur'an about Isa than about Muhammad. He is known as the Spirit of God and the Word of God, titles not attributed to Muhammad, and Isa is also regarded by the Qur'an as holy and sinless. He was also raised up by Allah to the heavens, and will be the one to return to earth to establish the community of Islam, and all people of the Book will believe in him. The Qur'an does not speak of him as inferior to Muhammad. A Muslim cannot in good conscience or with spiritual discernment reject Jesus, because the Qur'an speaks of him in many ways as superior to Muhammad.
> I'm sure Christians can see the problem here eh

Not at all because your argument is based in many fallacies.