A regular off-plan instalment schedule ends on the day the keys are handed over: by completion the property is paid in full. A post-handover plan works differently — a substantial share of the price is paid after the building is finished, and in rental projects while the unit is already earning. For the buyer that is a different risk profile: less money is locked up during construction, and the final payments are partly covered by income.
The condition is rare, and we keep the bar strict: a project enters this collection only when a schedule with post-handover payments is recorded on its card with figures. Right now the catalogue holds 14: entry from $105,652 to $1,464,974 with a median of $284,580. Twelve are off-plan, and two are already completed (Erawana Grand and Laguna Beachside) — instalments on a finished building remove construction risk altogether. By format: nine condos, two apart-hotels, two villa clusters and the mixed Laguna Lakelands master plan.
The formats differ, and comparing them matters: Laguna projects (Banyan Group) offer structured plans for up to 5 years after handover with terms set per unit; Gardens of Eden splits the price in half — 50% during construction and 50% in instalments for up to 3 years after handover; Rise Villas leaves 30% over 3 years; Fantasea Rawai stretches about half the price over 3 years after move-in. Per mid-2025 market data The One Nai Harn holds ~50% for up to 5 years at ~8%, and Dominion Rawai offers a rare 5 or 10 years at 1–2.5%; we confirm such terms separately as of the enquiry date.
Resort residences across 12 ha of tropical gardens, ~50m to the sea between Bang Tao and Layan
A Laguna condo phase by the resort lakes: Phase 1 completed in 2024, the second (Aster) is under construction to 2028
Banyan Group’s 100+ ha mega-project: seven lakes, five precincts, villas and condominiums next to Laguna Phuket
The first residential phase of the Laguna Lakelands mega-project: 220 units across three low-rise buildings with a rooftop infinity pool
A 49-unit boutique Laguna condo right by the Bang Tao waterline — nearing handover, 49% freehold quota
Compact villas near Bang Tao with an 8% guaranteed yield for the first 3 years
A low-rise Laguna-brand condo phase 250 m from Bang Tao beach, completed in early 2025
Condo residences under Banyan Group’s new wellness brand, 200 m from Bang Tao Beach
A Banyan Group condo inside Laguna Phuket resort — ~300–350 m to Bang Tao beach, penthouses with rooftop pools
A completed club village of 10 villas next to Laguna Golf Course
A condotel managed by Burasari Group, 1.2 km from Nai Harn beach
Condos in the Saiyuan area of southern Phuket with a full rental service — from ~$105,652
A boutique condo 200 metres from Rawai beach with a guaranteed rental program
A 160-unit condo from a developer with completed projects in Rawai
A post-handover plan is a tool in the competition for buyers, not charity: it shifts part of the developer’s revenue years into the future, so it is offered either by large developers with deep reserves (Banyan Group) or by projects keen to accelerate sales. The main rule for the buyer follows directly: check the developer’s financial standing even harder than usual — you remain tied by payments after you have already taken the keys.
Three things decide how good the deal really is. The rate: interest-free long plans barely exist — ask for the percentage and how it accrues. Security: how title is held until full payment — does it transfer at handover, or does the developer retain it. And the rental question: if the unit sits in a pool, does your rental income offset the instalments — that changes the economics substantially. We verify all three against the contract before any deposit.
An instalment schedule is the most volatile term on the market: developers revise it as a phase sells out. An example from our own catalogue: Layan Green Park offered a long post-handover plan on Phase 2 and withdrew it as the phase sold down. That is why every term on this page is recorded with its source on the project card, and before a deal we confirm the current schedule with the developer as of that date.
A regular off-plan schedule is fully paid by key handover. Here a substantial share of the price — from 30% to half — is paid after completion, spread over up to 3–5 years. In rental projects the final instalments are partly covered by the unit’s income.
In our catalogue as of late August 2026 — 14 projects. The core is seven Banyan Group projects (Laguna Lakeside, Bayside, Seashore, Beachside, Lakelands, Skypark Elara, Garrya) with plans of up to 5 years. Plus Gardens of Eden (50/50 over 3 years), Rise Villas (30% over 3 years), Fantasea Rawai, The One Nai Harn, Dominion Rawai (up to 10 years), Essence Residence and the completed Erawana Grand.
Almost never. The typical rate on the deferred share is a few percent a year, and it must be confirmed together with how it accrues. Some developers price the cost of money into the unit, so compare the full price under different payment routes.
It depends on the project: in some, title transfers at handover with the balance secured by obligation; in others, registration happens after full settlement. It is the key contract check — we go through it before any deposit.
Practically no: Thai banks rarely lend to non-residents, and the few accessible programmes carry higher rates than developer plans plus heavy paperwork. That makes the post-handover payment plan Phuket’s working substitute for a mortgage — no bank, no credit history, no income statements.
PHPP is the post-handover payment plan — the term comes from the Dubai market. On this page PHPP and post-handover plan mean the same thing.
| Type | Units tracked | Median price |
|---|---|---|
| 1 bedroom | 9 | ~$287,000 |
| 2 bedrooms | 6 | ~$766,000 |
Calculated from 19 unit-mix rows in our catalog; medians refresh with every update.
Our catalog currently tracks 14 projects — projects with a recorded post-handover payment schedule: 9 condominiums, 2 villa estates, 2 condo-hotels, 1 mixed-use project. This is a live market snapshot — the page rebuilds with every catalog update, so the numbers below are current as of the date in the header.
New-build entry starts from ~$105 652 (Fantasea Rawai); the median entry is ~$295 945, and the median price per square metre is ~$4 932/m². Medians are steadier than averages: a single ultra-luxury lot cannot skew them.
12 projects are under construction and 2 are completed and occupied. Completions are spread as follows: 2026 — 4 projects, 2027 — 4 projects, 2028 — 4 projects. The closer the handover, the smaller the waiting discount — the lowest prices historically belong to early phases.
Prices by unit type (entry and catalog median): 1-bedroom units — from ~$105 652, median ~$287 000 (9 listings); 2-bedroom units — from ~$280 000, median ~$766 000 (6 listings).
6 of 14 projects put the beach within walking distance (~1 km); 14 offer a managed rental program or pool; 4 have sea-view units. For investors these are the three yield filters that matter most: walkable beach and managed rentals historically deliver the best occupancy.
The slice covers 10 developers; the most represented are Banyan Group (Laguna Property) (4 projects), Banyan Group (2 projects), Amal Group (1 project), Banyan Group (Laguna Lakelands) (1 project). Developer diversity reduces risk — compare delivery track records, not just prices; every developer has its own page in the catalog.
Overview prepared by Artem Bukhkalov — authorized partner of VillaCarte Group & Layan Verde · artemphuket.com
Availability changes weekly and isn’t published here. We’ll send the list of free units, an honest read on the negotiating room, and a net-yield calculation for your unit with every cost included.
Take the PDF: developer prices, one-off fees, owner costs and net yield — on the current price list. Or message us on WhatsApp, we reply within 15 minutes.
