2026 Harmonie Phú Mỹ Hưng selling prices comprise 5 main property groups priced as follows: 1-bedroom apartments from 1.8 to 2.2 billion, 2-bedroom units from 3.0 to 3.3 billion, 3-bedroom units from 4.8 to 5.2 billion, Mini Garden and Groundhouse units priced by direct negotiation with the developer, and Shophouse units with a commercial unit rate 20-30% higher than apartments. In particular, the average unit rate across the project ranges from 45 to 60 million/m² depending on floor, view and the position of each tower within the overall site plan. More importantly, this is the first time the Phú Mỹ Hưng brand has positioned an “accessible” price level in the Bình Dương market, opening up the opportunity to own the Phú Mỹ Hưng living standard to a wider customer base than projects in District 7.
On financial policy, Harmonie Phú Mỹ Hưng applies an extremely flexible payment model: only 20% of the apartment value needs to be paid up front at the time of signing the sale and purchase agreement (expected April 2026), after which both principal and interest are deferred at 0% throughout the construction period until handover in September 2028. In addition, 4 major banks — Vietcombank, BIDV, Vietinbank and Standard Chartered — are working alongside to support loans of up to 70-75% of the apartment value, helping buyers optimise their financial leverage without interest-rate pressure while waiting for the home.
As well as the price and policy information, Harmonie’s price of 45-60 million/m² is considered worthy of the brand and the segment, on 3 grounds: the 32-year Phú Mỹ Hưng brand as a guarantee of quality, the potential for price rises of at least 10% with each subsequent launch, and an estimated rental yield of 5-7% per year from demand among experts at Bình Dương industrial parks. Below is a detailed analysis of the sale price for each unit type and the full financial policy, so that you have enough to base a suitable decision on.
How Much Do Harmonie Phú Mỹ Hưng Apartments Cost by Type?
Harmonie Phú Mỹ Hưng apartment prices have 5 price levels for 5 main property types: 1-bedroom, 2-bedroom, 3-bedroom, Mini Garden and Groundhouse, with prices ranging from 45-60 million/m² depending on the floor, aspect and tower, applicable from the official launch on 14/3/2026.
Below is a quick summary table to help you compare the figures immediately before reading the detailed analysis of each type:
| Apartment type | Area | Total price (estimated) | 20% down payment |
| 1 bedroom | 43.79 – 46.40 m² | 1.8 – 2.2 billion VNĐ | 360 – 440 million |
| 2 bedrooms | 72.37 – 79.47 m² | 3.0 – 3.3 billion VNĐ | 600 – 660 million |
| 3 bedrooms | 93.73 – 95.99 m² | 4.8 – 5.2 billion VNĐ | 960 million – 1.04 billion |
| Mini Garden | 67.45 – 128.62 m² + garden | As agreed with the developer | Direct contact |
| Groundhouse | 149.36 – 168.70 m² | As agreed with the developer | Direct contact |
| Shophouse | 136 – 537 m² | Commercial unit price 20-30% higher | Direct contact |
The table above summarises the prices and minimum down payments for each type of Harmonie Phú Mỹ Hưng apartment in 2026.
Next, below is a detailed analysis of the price of each apartment type:
How Much Does a Harmonie Phú Mỹ Hưng 1-Bedroom Apartment Cost?
Harmonie Phú Mỹ Hưng 1-bedroom apartment prices range from 1.8 billion to 2.2 billion VNĐ for areas of 43.79m² to 46.40m², equivalent to approximately 45-50 million/m² (including VAT and the maintenance fund), with a minimum down payment of 20% from just 360 million đồng.
More specifically, with a starting total price of 1.8 billion đồng under the Phú Mỹ Hưng brand, this is a price level that has never previously appeared in the development history of Phú Mỹ Hưng in Ho Chi Minh City, where 1-bedroom apartments typically range from 3.5 to 5 billion đồng. Moreover, the minimum down payment is only 360 million đồng, with no further principal or interest payments required throughout the following 28-30 months until handover, enabling first-time younger homebuyers to accumulate the remainder while waiting for handover. The 1-bedroom apartment is best suited to single people, newly married couples or investors wishing to rent to foreign professionals working at VSIP industrial parks, with a high rate of return.
- Area: 43.79m² – 46.40m²
- Total price: VND 1.8 billion – 2.2 billion (incl. VAT + maintenance fund)
- Price per m²: approximately 45–50 million
- 20% deposit: 360 million – 440 million
- Suitable for: single occupants, couples, short-term rental investors
How Much Does a 2-Bedroom Apartment at Harmonie Phú Mỹ Hưng Cost?
Prices for 2-bedroom apartments at Harmonie Phú Mỹ Hưng range from VND 3.0 billion to 3.3 billion for areas of 72.37m² to 79.47m², with a unit price of around 40–45 million/m² and a minimum 20% deposit equivalent to VND 600 to 660 million.
Specifically, the 2-bedroom apartment is the most common type in the property mix, with 1,047 units out of a total of 1,490, accounting for roughly 70% of the total, accurately reflecting the target segment Phú Mỹ Hưng is aiming at: young families of 2–3 members, and Vietnamese and foreign professionals working in Binh Duong. Notably, the unit price of 2-bedroom units is slightly lower than that of 1-bedroom units (40–45 versus 45–50 million/m²) due to the larger area, creating a “higher practical value per area” effect. In addition, 2-bedroom units are handed over fully fitted with premium interiors, including kitchen cabinetry, air conditioners, induction hobs, extractor hoods and bedroom timber flooring, helping buyers save significantly on finishing costs after handover.
- Area: 72.37m² – 79.47m²
- Total price: VND 3.0 billion – 3.3 billion
- Price per m²: approximately 40–45 million
- 20% deposit: 600 million – 660 million
- Suitable for: young families of 2–3 people, investors prioritising liquidity
How Much Does a 3-Bedroom Apartment at Harmonie Phú Mỹ Hưng Cost?
Prices for 3-bedroom apartments at Harmonie Phú Mỹ Hưng range from VND 4.8 billion to 5.2 billion for areas of 93.73m² to 95.99m², equivalent to a unit price of around 50–55 million/m², with a minimum 20% deposit equivalent to VND 960 million to 1.04 billion.
More specifically, with only 136 3-bedroom units across the entire development, this is a relatively scarce unit type, particularly well suited to multi-generational families or foreign professionals at management level seeking long-term rentals. Furthermore, the 3-bedroom unit price of 50–55 million/m² being higher than that of 2-bedroom units reflects the principle that “larger units in smaller supply command a higher unit price”, a common feature of developments with a clear product strategy. More importantly, at VND 5 billion with Phú Mỹ Hưng’s handover standard, a 3-bedroom apartment at Harmonie Binh Duong is genuinely a price point that cannot be found at any other development under the same brand in Ho Chi Minh City in the current climate.
- Area: 93.73m² – 95.99m²
- Total price: VND 4.8 billion – 5.2 billion
- Price per m²: approximately 50–55 million
- 20% deposit: 960 million – 1.04 billion
- Suited to: larger families, senior expatriate professionals
How much do the Mini Garden and Groundhouse units at Harmonie cost?
Prices for the Mini Garden and Groundhouse units at Harmonie are not widely published like those of standard apartments, since these are two extremely limited property types: the Mini Garden has only 26 units with private gardens ranging from 7m² to 93m², and the Groundhouse has only 3 units with areas of 149-169m². You need to contact the Phú Mỹ Hưng sales office directly for a quotation at the actual point in time.
Specifically, the reason prices for the Mini Garden and Groundhouse are not widely published is that each unit has very different garden specifications and location, leading to considerable price differences between units of the same type. A Mini Garden unit with a 7m² garden and a unit with a 93m² garden clearly cannot be priced at the same level, which makes publishing a fixed selling price impractical in practice. In particular, the Groundhouse, with only 3 units in the entire project, offers a living experience close to nature with a villa style inside a mixed-use urban area, and is usually priced considerably higher than the general market level because of the rare and unique nature of the property. In addition, to avoid the risk of receiving inaccurate price information from third parties, interested buyers should contact the project sales office directly via Phú Mỹ Hưng’s official hotline.
How much do the Harmonie Phú Mỹ Hưng shophouses cost?
Prices for Harmonie Phú Mỹ Hưng shophouses are set at a commercial rate 20-30% higher than apartments on the same floor, applying to 23 units on the podium level of the 5 towers, with areas from 136m² to 537m², thanks to their large road frontage and direct business use.
More specifically, if apartment rates range from 45-60 million/m², shophouses at Harmonie are estimated at 55-75 million/m², reflecting the advantage of a frontage that markets directly onto Võ Văn Kiệt Boulevard and benefits from the full footfall of 1,490 resident households within the complex as well as passing trade from the centre of Thủ Dầu Một. Furthermore, the 136-537m² shophouse units at Harmonie are designed on a double-front model, meaning they can open onto two business directions, which is an extremely rare advantage in the Bình Dương shophouse segment today. More importantly, with the presence of 24,000 specialists and engineers at neighbouring industrial parks, local demand for cafés, restaurants, spas and everyday convenience services is always assured at a high and stable level.
What are the financial policies when buying a Harmonie Phú Mỹ Hưng apartment in 2026?
The Harmonie Phú Mỹ Hưng financial policy for 2026 is a “pay only 20% until handover” model, applying a full grace period on principal and a 0% interest rate throughout the construction period from signing the sale and purchase contract to handover in September 2028, guaranteed by 4 major banks including Vietcombank, BIDV, Vietinbank and Standard Chartered.
Below is a detailed analysis of each component of the financial policy:
What is the payment method when buying a Harmonie apartment?
The Harmonie payment method is a clear two-stage schedule: stage 1 is a booking deposit of 50 million to reserve a unit (February 2026), stage 2 is payment of the full 20% of the unit value at the time of signing the sale and purchase contract (expected April 2026), after which the entire remaining amount is deferred until handover in September 2028 with no further payments arising.
Specifically, the payment schedule by milestone is as follows:
- February 2026: Place a good-faith booking deposit of 50 million/slot to secure the right to choose a unit
- April 2026 (signing the sale and purchase contract): Pay the full 20% of the apartment value (less the 50 million booking deposit)
- From April 2026 to September 2028: 100% grace period, no principal repayments, no interest payments
- September 2028 (handover): Begin completing payment and repaying the bank according to the signed schedule
Furthermore, the entire period from signing the sale and purchase contract to handover lasts about 28-30 months. This is long enough for buyers to build up additional finances, arrange a bank loan, or exit at a profit if they are investors. More importantly, with a 1-bedroom unit priced at 1.8 billion, buyers need to put down only 360 million in April 2026 and pay nothing more until the project is completed in September 2028, an exceptionally favourable condition rarely found in the Bình Dương real estate market.
How are the 0% interest rate and principal grace period at Harmonie applied?
The 0% interest rate and principal grace period at Harmonie apply throughout the entire period from the date of signing the sale and purchase contract to the handover date (September 2028), around 28-30 months, for customers borrowing through the project’s official partner banks.
More specifically, this policy operates on the basis that Phú Mỹ Hưng, the developer, covers all interest payments during the construction period, rather than leaving customers to bear them. This means that if you borrow 70% of the value of a 2-bedroom apartment (approximately VND 2.1 to 2.3 billion), you will not have to pay any interest for 28-30 months, with estimated interest savings of VND 200 to 400 million compared with taking out a conventional bank loan from the outset. In addition, after taking handover of the property in September 2028, customers begin repaying the principal and interest according to the loan schedule signed with the partner bank, with the usual commercial interest rate applying from the handover date onwards. Of particular importance, to qualify for the 0% interest rate and principal repayment grace period, customers must borrow through the project’s partner banks (Vietcombank, BIDV, Vietinbank, Standard Chartered); this does not apply to customers borrowing outside the system or purchasing with 100% of their own funds.
Which Banks Support Loans to Buy a Harmonie Phú Mỹ Hưng Apartment?
There are 4 banks supporting loans to purchase Harmonie Phú Mỹ Hưng apartments, according to loan-to-value criteria and customer type: Vietcombank, BIDV, Vietinbank (state-owned banks supporting loans of up to 70-75% of the contract value) and Standard Chartered (an international bank suitable for professionals and foreigners).
Specifically, each partner bank has a different role and target customer group within Harmonie’s financial structure:
- Vietcombank: One of Vietnam’s leading reputable banks, supporting loans of up to 75% of the property value, with a maximum loan term of 30 years and preferential interest rates during the first 12-24 months after handover.
- BIDV: A state-owned bank with an extensive network, supporting loans of up to 70% of the property value and suitable for customers requiring quick, simple procedures.
- Vietinbank: A flexible alternative with competitive interest-rate packages after the deferment period, supporting loans of up to 70% of the sale contract value.
- Standard Chartered: A Singaporean international bank particularly suitable for foreign professionals working at VSIP and Binh Duong industrial parks, with experience processing property loan applications for people who are not Vietnamese nationals.
Furthermore, a maximum loan-to-value ratio of 70-75% means that for a 2-bedroom apartment priced at VND 3 billion, buyers only need to provide approximately VND 750 million to 900 million in their own funds (25-30%) and borrow the remainder from the bank. In addition, having 4 partner banks enables buyers to compare and choose the loan package best suited to their financial circumstances, rather than being dependent on a single bank.
Does Harmonie Phú Mỹ Hưng’s Price Match Its Brand and Market Segment?
Yes, Harmonie Phú Mỹ Hưng’s price of VND 45-60 million/m² is justified by its brand and market segment for 3 core reasons: this is the lowest price that the Phú Mỹ Hưng brand has ever applied throughout its development history; the potential for price increases of at least 10% with each subsequent launch gives early buyers an advantage; and the estimated rental yield of 5-7%/year, driven by demand from industrial-park professionals, ensures a stable positive cash flow for investors.
How Does Harmonie’s Price Compare with Projects in the Same Segment in Binh Duong?
The Harmonie outperforms in terms of brand value compared with projects at the same price per square metre in Binh Duong, while some projects in the same segment have a larger overall area than Harmonie but lack the backing of a 32-year brand. Most high-end projects in Binh Duong range from VND 35-50 million/m² but are developed by less well-known developers, whereas Harmonie is priced at VND 45-60 million/m² and is associated with the Phú Mỹ Hưng standards proven in southern Saigon. This is the first time buyers in Binh Duong can own a Phú Mỹ Hưng project at a price 40-50% lower than projects by the same brand in Ho Chi Minh City.
What Is the Estimated Rental Yield and Price-Growth Potential of Harmonie?
Rental yield at Harmonie Phú Mỹ Hưng is estimated at 5-7%/year, thanks to demand from more than 24,000 foreign professionals and engineers working at 28 major industrial parks in Binh Duong, which have an occupancy rate of 94%. In terms of price-growth potential, subsequent Harmonie launches are expected to increase by at least 10% compared with launch 1, while the long-term estimate is 10-15%/year, driven by Binh Duong’s urbanisation rate. The two major catalysts for price growth are the New City – Suối Tiên Metro line and the 100-ha Northern Ho Chi Minh City Science and Technology Urban Area, both of which are on the implementation roadmap and within the radius directly affecting property values at the project’s location.
