Overseas Property Investment Referral Case
Client Background – Mr. Chan & Ms. Chan
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- Age: 40 (Engineer)
- Marital Status: Married with 2 children
- Income: ~HK$40,000/month
- Current Property:
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- New Territories 2-bedroom apartment
- Purchase price (2005): HK4M∣Currentvalue: HK7.5M
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Investment Motivation & Challenges
Mr. Chan, a long-time real estate enthusiast, sought to diversify but faced Hong Kong market constraints:
✖ High stamp duties (double non-first-home tax)
✖ Low rental yields amid rising interest rates
✖ Maintenance burdens with secondary properties
After evaluating the UK, Japan and Thailand , he prioritized Japan for:
✓ Proximity to Hong Kong (frequent travel history)
✓ Market stability & strong rental potential
Professional Advisory & Solution
Our overseas property specialists provided:
1. Market AnalysisTranslate Page
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- Recommended Osaka over Tokyo:
- More affordable entry (¥50M vs. Tokyo’s ¥80M+ for similar units)
- Steady economic/population growth → sustainable tenant demand
2. Curated Property Selection
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- Investment Pick: Free-standing “Ikkodate” (一戸建て) with attached yakiniku chain tenant
- Price: ¥50M (≈HK$2.5M)
- Key Features:
- Turnkey rental income (no vacancy risk)
- Branded tenant ensures lease stability
3. End-to-End Management
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- Concierge Services:
- Local management firm handles leasing, rent collection, and maintenance
- Net rental income directly remitted to Mr. Chan
Expected Outcomes
✔ Cost Efficiency: Avoided HK’s 15%+ stamp duty vs. Japan’s ~3% purchase taxes
✔ Yield Advantage: Projected 5-6% net rental yield (vs. HK’s ~2%)
✔ Risk Mitigation: Professional oversight resolves cross-border landlord challenges
✔ Future Flexibility: Potential retirement residence or small business conversion
(Note: Overseas investments entail FX, tax, and legal complexities. Tailored advice is essential.)
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