If your fps is slower than the monitor's refresh rate, it just takes multiple refreshes for the image on the screen to be completely replaced with a new image. At 25 fps, it takes 40 milliseconds to draw a new image. A 120 Hz monitor has a 8.3 ms refresh rate. So it'll take 4.8 refreshes to draw a new image. Or put another way, every screen refresh an additional 1/4.8 = 20.8% of the image is updated with the next rendered frame. So
Refresh 0 shows 100% of image 0
Refresh 1 shows 20.8% of image 1, the remaining 79.2% is still frame 0, with a tear line in between
Refresh 2 shows 41.7% of image 1
Refresh 3 shows 62.5% of image 1
Refresh 4 shows 83.3% of image 1
Refresh 5 shows 4.2% of image 2, 95.8% of image 1 (the first time image 0 is completely gone)
etc.
Or if you have vsync on, the same image is shown for either 4 or 5 refreshes, with an average of 4.8 refreshes between each image update. Every time the image updates, it's a completely new image - no tear lines.