Retirement planning

Rental properties are a great way to fund part or all of your retirement. They produce steady, predictable income without depleting your principal. They also have many tax advantages and other benefits for retirement.

An investment equity of HKD20M in rental properties (for example, two to three unleveraged buy-to-let two-bedroom apartments) would generate a minimum of HKD600,000 rental income per year (HKD50,000 per month) assuming the properties are at a 3%^* rental yield. By leveraging the capital to secure a mortgage against the property in a low interest rate environment, it helps to build a property portfolio, it would also amplify the investment return.

^{*Subject to market conditions and the development, all carrying costs are not taken into account}

Children's education fund

You can use property as a strategy to help cover the costs of your children’s education. Property can top up your existing wealth so your child leaves higher education in good financial shape.

Tax benefits

Unlike other investment options, many property purchases can be structured to take advantage of tax benefits. This strengthens your ability to maximise your available capital. Harris Fraser has tax advisors to help you.