Answer
$4845a^{16}b^{16}$
Work Step by Step
We find the 5th term in the expansion of $(ab-1)^{20}$ by using Binomial Theorem coefficients:
$\left(\begin{array}{l}20\\4\end{array}\right) (ab)^{16} (-1)^{4}=4845(a^{16}b^{16})(1)=4845a^{16}b^{16}$