Apartments or Land Plots: Which is the Smarter Investment in 2026 When Already Own a Home

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When having stable housing, the next question for many investors is usually: should they buy more apartments or invest in land plots? There is no correct answer for everyone. However, in the context of 2026, market data and signals from experts show an increasingly clear separation between these two channels.

1. Apartments and Land Plots – Which channel is truly more profitable in 2026?

The answer depends on the goals, capital, and risk appetite of each investor. The comparison table below is based on actual data in the Ho Chi Minh City market in 2025-2026:

CriteriaHigh-end ApartmentLand Plots
CapitalFrom 190K – 760K USD (80m2)From 265K – 380K USD (100m2 in Suburban)From 229K – 687K USD (100m2 in the area adjacent to the city center)
LiquidityHigh – Easy to rent outLow – Depend on location and legal
Rental Cash FlowStable: 3 – 6%/yearly Low and location-dependent
Capital growth potentialStable, increasing with infrastructure development.High but fluctuate
Legal RisksLower – Can check the project developer’s status regarding the availability of the land title and the issuance timeline.Higher – A thorough legal check of the land is necessary: ​​whether there are disputes, the planning status, land map data, and land type.
Suitable forPassive investors, prioritizing stable cash flowRisk-taking investors with a long-term vision.

2. Why is smart money moving away from inner-city land plots?

Land plots are gradually losing their competitive advantage:

  • The absorption rate of southern land plots remains continuously low: 10% (2023) => 18% (2025) (DKRA Consulting).
  • Demand for buying land plots decreased by 15-20% compared to the same period last year, dropping by 30-40% at many points (Batdongsan.com).
  • New supply only accounts for 13% of the total primary supply, and most of it is inventory from the previous year (DKRA Group).

Expert perspectives:

Mr. Vo Huynh Tuan Kiet, Director of the Residential Project Marketing Department at CBRE Vietnam, stated that the market is witnessing the “end of the plot subdivision era” in the new cycle. Apartments will be the “backbone” of the urban area for at least the next 5 years. Demand will focus heavily on multi-utility projects developed under the Transit-Oriented Development model. This view aligns with Mr. Vu Cuong Quyet, CEO of Dat Xanh North area, who noted that the time for holding land in inner-city alleys is over. Currently, the key to real estate investment now lies in transit stations and TOD-oriented developments.

Apartments or Land Plots
The Berkley – Luxury TOD Real Estate Project

3. Why is a TOD Apartment the choice that combines both advantages?

TOD (Transit Oriented Development) plans residential and commercial areas around metro stations, creating a complete living ecosystem within walking distance.

Actual figures in HCMC: 

Property prices near An Phu Metro Station increased from 1.061-1.364 USD/sqm (2014-2015) to 2.650-4.550 USD/sqm currently (VnEconomy, 2025). This is an increase of nearly 3-4 times in a decade. This growth is a structural price increase tied to completed infrastructure rather than a speculative cycle.

Why a TOD Apartment combines both advantages:

  • Rental cash flow: The location near the metro and synchronized utilities create stable rental demand, especially from the expert and expat community.
  • Capital growth potential: Price increases align with the infrastructure completion roadmap of Metro Line 2 (Tham Luong – Thu Thiem) and the ring roads expanding until 2030.
Apartments or Land Plots
The Metropolis Thu Thiem: TOD 5.0 Project Is Developed by SonKim Land

Both land plots and apartments have a place in an investment portfolio. However, the 2026 cycle is creating a clear distinction. So, which channel fits you?

A TOD Apartment is suitable for you if you:

  • Prioritize stable rental cash flow while waiting for price appreciation.
  • Want an asset with good liquidity and transparent legal status.
  • Invest passively with minimal operational intervention.

Land plots are still a good choice if:

  • You have a long-term vision of 5-10 years and accept higher risks.
  • The plot sits in an area with improving infrastructure and clear legal status.
  • You do not depend on short-term cash flow from the asset.

Regardless of your choice, the deciding factors remain location, legal status, and timing. In a highly selective market, assets that meet the right criteria will always find buyers.


Looking for a trustworthy real estate agent? La Quinta is your one-stop partner. We offer turnkey support for buying/selling, renting, interior design & furnishing, and full property management. Contact us today!

Mr. DONNIE KIM (Korean & English)
Associate Director

Phone number: 0898 48 38 68
Zalo: 0898 48 38 68 (La Quinta)
Email: kdh@lqltd.com
Kakaotalk ID : kdhrpm
WeChat: LQ-kdh
Whatsapp: +84 89 848 38 68

Ms. TRẦN HOÀNG OANH (Vietnamese & English)
Director of Residential and Investment Team

Phone number: (+84) 937 836 896
Email: christine@lqltd.com
Zalo: 09 3783 6896 (Oanh – Christine)
Whatsapp: +84 937 83 896
Wechat: Oanhhoangtran

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