Orchard Collection Price 2026: 3 Payment Plans Compared — What You Pay Each Month
Table of Contents
Most buyers searching for Orchard Collection prices find either a vague ‘from X billion’ or an outdated brochure. This article publishes the actual official quotation data — prices by unit type in both VND and USD, all three payment schemes with instalment-by-instalment breakdowns, and a real monthly cash flow calculation so you know exactly what your bank transfer looks like before you sign anything. Data sourced from CapitaLand’s official quotation documents, January 2026, updated April 2026.
Orchard Collection Price Per Square Metre — The Baseline
All units at Orchard Collection are priced at an estimated VND 65,000,000 per m² of Net Saleable Area (NSA) — approximately USD 2,500 per m² at VND 26,000/USD. The table below shows the complete price breakdown for all unit types, inclusive of 10% VAT and 2% Maintenance Fee (the total amount you pay from day one to pink book):
| Unit Type | NSA | Listed Price (VND) | VAT+MF | Total Payable (VND) | USD Equiv. |
|---|---|---|---|---|---|
| 2BR Large | 91 m² | 5,915,000,000 | +10%+2% | 6,404,800,000 | ~$246,000 |
| 3BR+ Flexible | 125 m² | 8,125,000,000 | +10%+2% | 8,880,000,000 | ~$341,000 |
| 3BR Limited Edition | 175 m² | 11,375,000,000 | +10%+2% | 12,520,000,000 | ~$481,000 |
| 4BR Large (Foreigner) | 157 m² | USD 423,900 | +10%+2% | USD 466,306 | $466,306 |
Prices are estimated and subject to official confirmation upon unit reservation. Early Bird discount of VND 200,000,000 available at the official launch event.
Why Is the Price Stated ‘Per NSA’? Understanding Vietnamese Quotations
In Vietnam, apartment prices are almost universally quoted per m² of Net Saleable Area (NSA) — also called ‘diện tích thông thuỷ’ (clear floor area). This is the usable space inside your apartment walls, excluding shared walls, corridors, and structural elements.
Gross Floor Area (GFA) — the number typically on the title deed — is larger, often 10–15% bigger than NSA. For Orchard Collection’s 3BR+ Flexible: NSA is 125 m², GFA is 137 m². When comparing prices across projects, always verify whether the quoted price uses NSA or GFA, as quoting per GFA artificially lowers the headline price.
Early Bird Discount — VND 200,000,000 Off Before Open Sale
CapitaLand is offering an Early Bird discount of VND 200,000,000 (approximately USD 7,692) for buyers who register and confirm their selection at the official open sale event. This discount is applied to the listed price before VAT is calculated, meaning the effective saving on the total payable amount is slightly higher than VND 200M. Availability is first-come, first-served at the launch event.
Standard Payment Scheme (5% / 20% / 70%) — Full Instalment Breakdown
The Standard Payment Scheme distributes payments across three years: minimal outlay in 2026, moderate in 2027, and the majority at handover in 2028. Below are the complete instalment schedules for both the 2BR Large and 3BR+ Flexible units.
2BR Large — Total VND 6,404,800,000:
| Inst. | Timeline | % | VND Amount | Note |
|---|---|---|---|---|
| 0 | At booking | — | 100,000,000 | Refundable deposit |
| 1 | Est. Q3 2026 | — | 100,000,000 | Non-refundable; locks unit |
| 2 | Within 7 days of Inst.1 | 5% | 214,325,000 | Sign Escrow Agreement |
| 3 | Q3 2027 | 15% | 942,975,000 | Sign SPA (Sales Purchase Agreement) |
| 4 | Q4 2027 | 5% | 314,325,000 | |
| 5 | Q1 2028 | 5% | 314,325,000 | |
| 6 | Q2 2028 | 10% | 628,650,000 | |
| 7 | Q3 2028 | 10% | 628,650,000 | |
| 8 | Q4 2028 — Handover | 45% | 2,828,925,000 | Receive keys |
| 9 | Q4 2028 | 2% MF | 118,300,000 | Maintenance fund |
| 10 | Pink Book notice | 5% | 314,325,000 | Title deed transfer |
| Total | 100% | 6,404,800,000 | Incl. VAT + MF |
3BR+ Flexible — Total VND 8,880,000,000:
| Inst. | Timeline | % | VND Amount | Note |
|---|---|---|---|---|
| 0 | At booking | — | 100,000,000 | Refundable deposit |
| 1 | Est. Q3 2026 | — | 100,000,000 | Non-refundable |
| 2 | Within 7 days of Inst.1 | 5% | 335,875,000 | Escrow Agreement |
| 3 | Q3 2027 | 15% | 1,307,625,000 | Sign SPA |
| 4 | Q4 2027 | 5% | 435,875,000 | |
| 5 | Q1 2028 | 5% | 435,875,000 | |
| 6 | Q2 2028 | 10% | 871,750,000 | |
| 7 | Q3 2028 | 10% | 871,750,000 | |
| 8 | Q4 2028 — Handover | 45% | 3,922,875,000 | Receive keys |
| 9 | Q4 2028 | 2% MF | 162,500,000 | Maintenance fund |
| 10 | Pink Book notice | 5% | 435,875,000 | Title deed |
| Total | 100% | 8,880,000,000 | Incl. VAT + MF |
What Does 70% at Handover Actually Mean?
The 45% handover instalment + 2% maintenance fee + 5% pink book together represent 52% of total purchase price due in Q4 2028. For a 3BR buyer, that’s approximately VND 4,522,000,000 (USD 174,000) in a single quarter.
The vast majority of buyers use a bank loan to cover the 45% handover chunk. Under the Standard Scheme, you have until Q4 2028 to arrange financing — giving approximately 2 years from open sale to get bank pre-approval and structure the loan. CapitaLand’s partner banks are familiar with this structure and can begin the process as early as SPA signing (Q3 2027).
Best For: Buyers Who Want to Minimise Early Outlay
The Standard Scheme requires only ~5% in 2026 and ~20% in 2027, meaning buyers can reserve a unit with relatively modest initial capital while their finances are arranged for the larger handover payment. This suits buyers who are currently invested elsewhere and need time to liquidate assets or arrange financing.
Note for Foreign Buyers: Bank financing (mortgage loans) for property purchase in Vietnam is only available to Vietnamese citizens. Foreign nationals must fund their purchase through personal capital. The loan-based scenarios above are for Vietnamese buyers only.
Fast Payment Scheme (5% / 45% / 45%) — Pay More in 2027, Save Overall
The Fast Payment Scheme concentrates payments in 2027 (45%) and 2028 (45%), with only 5% due in 2026. For a 2BR buyer:
| Year | % Due | VND Amount (2BR) | Key Event |
|---|---|---|---|
| 2026 | 5% | ~314,000,000 | Escrow Agreement signing |
| 2027 | 45% | ~2,882,000,000 | 15% SPA + 30% Q4 2027 |
| 2028 | 47% | ~3,009,000,000 | 45% handover + 2% MF |
| Post-handover | 5% | ~320,000,000 | Pink Book |
Does Fast Payment Get a Better Price or Discount?
The Fast Payment Scheme does not automatically include an additional price discount beyond the Early Bird promotion. However, buyers using this scheme may benefit from priority unit selection at launch — gaining access to better floors, views, or pool-facing units before standard buyers. Check with Realtique for specific incentives at the launch event.
Best For: Buyers with Cash on Hand or Selling Another Asset in 2027
This scheme suits buyers who have liquidity events expected in 2027 — such as the maturity of an investment, sale of another property, or year-end bonus. Paying 45% in 2027 reduces the final handover burden significantly and can simplify the bank loan calculation for the remaining balance.
Note for Foreign Buyers: Bank financing (mortgage loans) for property purchase in Vietnam is only available to Vietnamese citizens. Foreign nationals must fund their purchase through personal capital. The loan-based scenarios above are for Vietnamese buyers only.
Bank Interest Subsidy Scheme — Developer Covers Your Loan Interest
The Bank Interest Subsidy Scheme is CapitaLand’s most buyer-friendly financing option. Under this arrangement, CapitaLand Development covers bank interest on up to 30% of the unit value for 12 months, or until handover — whichever comes first.
Practical example for a 3BR+ Flexible buyer (total VND 8,880,000,000):
- 30% of unit value = VND 2,664,000,000 (the portion covered by developer subsidy)
- At 9% annual interest: VND 239,760,000 in interest covered per year
- Monthly saving: approximately VND 19,980,000 per month during the subsidy period
- If subsidy runs 12 months: total developer contribution = ~VND 239,760,000 (~USD 9,221)
How to Qualify for the Subsidy
To access the Bank Interest Subsidy Scheme, buyers must: (1) take a bank loan through one of CapitaLand’s approved partner banks, (2) meet the bank’s standard credit assessment criteria, and (3) sign the Sales Purchase Agreement (SPA) within the qualifying window at launch. The subsidy is applied directly to the loan account — buyers do not need to track or claim it manually.
Which Banks Are CapitaLand’s Partners for This Project?
CapitaLand Development typically partners with major Vietnamese commercial banks for its projects. The confirmed list of approved lending banks for Orchard Collection will be announced at the official open sale event. Contact Realtique at 0866 810 689 for the latest information on partner banks and loan conditions prior to launch.
⚠️ Important Note for Foreign Buyers — Bank Financing Not Available: Under current Vietnamese banking regulations, foreign nationals are not eligible to obtain a bank mortgage to purchase property in Vietnam. This means the Bank Interest Subsidy Scheme and any payment scenarios involving bank loans described in this article apply to Vietnamese citizens only. Foreign buyers must fund their purchase through their own capital, using the Standard Payment Scheme or Fast Payment Scheme. Contact Realtique for guidance on payment planning as a foreign buyer: 0866 810 689.
Monthly Cash Flow Calculation — Real Numbers for a 3BR Unit
The calculation below illustrates a realistic monthly payment scenario for a 3BR+ Flexible buyer using a bank loan to cover the handover instalment. This is for illustration purposes only; actual interest rates and terms will vary by bank and buyer profile.
Scenario: 3BR+ Flexible | Total price: VND 8,880,000,000 | Bank loan: 70% = VND 6,216,000,000 | Term: 25 years | Interest rate: 9% per annum
| Item | Monthly Amount (VND) | USD Equiv. |
|---|---|---|
| Principal repayment (25yr) | ~20,720,000 | ~$797 |
| Interest — Month 1 (9%/yr) | ~46,620,000 | ~$1,793 |
| Total Month 1 payment | ~67,340,000 | ~$2,590 |
| After 5 years (principal reduced) | ~57,000,000 est. | ~$2,192 |
Note: Interest rates in Vietnam are variable and subject to change. The above uses a flat 9%/year for illustration. Actual rates range from 7.5%–11% depending on bank, tenure, and borrower profile. Consult Realtique for personalised bank loan advice.
Can You Cover Monthly Payments with Rental Income?
The Binh Duong rental market is driven primarily by expatriate professionals working in VSIP industrial zones and Binh Duong New City’s growing commercial district. Indicative rental ranges for comparable quality apartments in this area (estimates only — to be verified at handover):
- 2BR (91 m²): approximately VND 18,000,000–25,000,000/month
- 3BR+ (125 m²): approximately VND 25,000,000–35,000,000/month
- 4BR (157 m²): approximately VND 35,000,000–50,000,000/month
Rental estimates are speculative projections for 2028–2029 and are not guaranteed. Market conditions will evolve significantly between 2026 and handover. Buyers should not rely solely on rental income projections when assessing affordability.
Note for Foreign Buyers: Bank financing (mortgage loans) for property purchase in Vietnam is only available to Vietnamese citizens. Foreign nationals must fund their purchase through personal capital. The loan-based scenarios above are for Vietnamese buyers only.
Foreigner Buyers — Prices in USD and What You Need to Know
CapitaLand specifically provides USD-denominated quotations for foreign buyers at Orchard Collection, reflecting the developer’s experience serving the international buyer community in Vietnam.
| Item | USD Amount | VND Equivalent |
|---|---|---|
| Selling price (4BR Large, before discount) | USD 423,900 | VND 11,021,400,000 |
| Early Bird discount | USD 7,692 | VND 200,000,000 |
| Price after discount (incl. VAT 10%) | USD 457,828 | VND 11,903,540,000 |
| Maintenance fee (2%) | USD 8,478 | VND 220,428,000 |
| Total payable (incl. VAT + MF) | USD 466,306 | VND 12,123,968,000 |
Exchange rate: USD 1 = VND 26,000 (reference only).
Foreign Ownership Quota — How Many Units Can Foreigners Buy?
Under Vietnamese law (Law on Housing, amended 2023), foreign nationals and foreign-owned entities may purchase up to 30% of apartments in any single condominium building. For Orchard Collection’s towers of approximately 256 units each, this means roughly 76 units per tower are available to foreign buyers.
Foreign ownership comes with a 50-year renewable land use right. Upon expiry, owners can apply for renewal for a further 50-year term. The title deed (Giấy chứng nhận / Pink Book) issued to foreign buyers clearly states the ownership duration and renewal conditions.
Can Foreigners Get Bank Loans in Vietnam for This Project?
Foreign nationals can apply for mortgage loans at selected Vietnamese commercial banks, subject to meeting income documentation requirements and having a valid residence permit or work permit in Vietnam. Loan-to-value ratios for foreign borrowers are typically 50–70% of the property value, with terms of 15–25 years. CapitaLand’s partner banks are experienced in processing foreign buyer applications. Contact Realtique for a referral.
Note for Foreign Buyers: Bank financing (mortgage loans) for property purchase in Vietnam is only available to Vietnamese citizens. Foreign nationals must fund their purchase through personal capital. The loan-based scenarios above are for Vietnamese buyers only.
Frequently Asked Questions on Pricing and Payments
Q1: Is the 10% VAT already included in the ‘total price’?
Yes. All ‘total price’ figures in this article include 10% VAT and 2% Maintenance Fee. The ‘listed price’ (before discount) does not include VAT or MF — you must add both to arrive at the total payable amount.
Q2: What is the maintenance fee and when is it paid?
The maintenance fee (phí bảo trì) is 2% of the unit’s listed price (before VAT). It is a one-time payment due at handover (Q4 2028) and is contributed to a building maintenance fund managed by the residents’ committee and the management company. For the 2BR Large: VND 118,300,000. For the 3BR Flexible: VND 162,500,000.
Q3: Can I change payment schemes after signing?
Payment scheme selection is made at the time of the Escrow Agreement (Inst. 1/2). Changes after signing are generally not permitted without developer approval and may involve additional administrative fees. Buyers are advised to confirm their preferred scheme before signing any agreement.
Q4: What happens if I miss an instalment?
Late payment penalties are specified in the Sales Purchase Agreement (SPA) and typically involve daily interest charges on the overdue amount. Repeated missed instalments can result in contract termination with penalties deducted from amounts already paid. Buyers experiencing cash flow difficulties should contact CapitaLand’s customer service immediately to explore options before a payment is missed.
Q5: Are there additional costs beyond the total quoted price?
Beyond the quoted total (listed price + 10% VAT + 2% MF), buyers should budget for: registration fees (~0.5% of property value for title deed transfer); notarisation fees (minor, typically VND 1–3 million); any furniture and personalisation costs (the unit is fully finished but not furnished); and ongoing management fees from the date of handover (rate to be confirmed by CapitaLand management company).
Talk to Realtique Before You Sign Anything
Orchard Collection’s three payment schemes each have different cash flow implications. Before selecting a scheme or signing any agreement, Realtique recommends a 30-minute consultation to map out your specific financial situation and identify the optimal approach.
Our consultants are fluent in English and Vietnamese and are available seven days a week. We work with all unit types across all towers — no commission or fees are charged to buyers.
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