Introduction
Looking for quality SMDC properties under ₱4 million? You’re not limited to Metro Manila’s congested areas anymore. The South Luzon corridor – particularly Laguna and Cavite – offers excellent value propositions with complete amenities, modern facilities, and strong growth potential.
These areas have transformed into thriving provincial hubs with major infrastructure projects, business parks, and lifestyle destinations. Properties here offer more space, better quality of life, and attractive price points compared to central Metro Manila.
What you’ll find in this guide:
- 7 carefully selected SMDC properties under ₱4 million
- Quick comparison of prices, locations, and key features
- Investment potential overview
- Who each property suits best
- How to make your decision
Let’s explore your options!
Table of Contents
Quick Navigation:
The 7 Properties:
- Hope Residences – Cavite (₱2.529M)
- Park Residences – Sta. Rosa (₱3.086M)
- Turf Residences – Biñan (₱3.159M)
- Hill Residences – QC (₱3.262M)
- Zeal Residences – Gen Trias (₱3.338M)
- Calm Residences – Sta. Rosa (₱3.560M)
- Leaf Residences – Muntinlupa (₱3.570M)
📖 Reading time: 12-15 minutes
Quick Comparison Table
| Property | Location | Featured Unit | Price Starts At | Status | Best For |
|---|---|---|---|---|---|
| Hope Residences | Trece Martires, Cavite | Flexi Suite (28.52 sqm) | ₱2,529,000 | RFO | Budget buyers |
| Park Residences | Sta. Rosa, Laguna | Flexi Suite (28.52 sqm) | ₱3,085,880 | Preselling & RFO | Premier location |
| Turf Residences | Biñan, Laguna | 1BR (24.41 sqm) | ₱3,159,000 | Preselling | Families with kids |
| Hill Residences | Novaliches, QC | Flexi Suite (28.52 sqm) | ₱3,262,000 | Preselling & RFO | QC address seekers |
| Zeal Residences | General Trias, Cavite | 1BR (24.11 sqm) | ₱3,338,000 | Preselling | Investors |
| Calm Residences | Sta. Rosa, Laguna | 1BR (24.41 sqm) | ₱3,560,000 | Preselling | Wellness seekers |
| Leaf Residences | Muntinlupa City | Studio End Unit | ₱3,570,100 | RFO | Nature lovers |
Prices are gross selling prices excluding taxes and fees. Subject to change without notice.
The Properties
#1: Hope Residences – Best Value
📍 Location: Trece Martires City, Cavite
💰 Price: ₱2,529,000 (Flexi Suite, 28.52 sqm)
🏢 Status: Ready for Occupancy
🔑 Key Feature: Beside SM City Trece Martires
Why It’s #1:
Hope Residences offers the lowest entry price in this list at ₱2.529M while delivering excellent value. Located in Cavite’s provincial capital, it’s integrated with SM City Trece Martires – literally a 2-minute walk to the mall.
Highlights:
- Largest unit size among budget options (28.52 sqm Flexi Suite)
- Direct mall access for shopping, dining, entertainment
- Government center location (stable demand)
- Elevated terrain (virtually flood-free)
- RFO – move in immediately
- Complete amenities: pool, gym, function rooms, gardens
Best For:
First-time buyers seeking maximum value, government employees, hospital workers, families wanting mall convenience, investors targeting stable rental market.
Location Access:
- Beside SM City Trece Martires (2-min walk)
- 30-40 minutes to Tagaytay
- 45-60 minutes to Makati via CALAX
- Near Cavite Provincial Hospital & Capitol
Investment Potential:
Strong rental demand from government sector, hospital staff, and mall employees. Estimated rental range: ₱12,000-15,000/month.
⚠️ Investment Disclaimer: Returns not guaranteed. Conduct due diligence and consult professionals.
#2: Park Residences – Premier Location
📍 Location: Sta. Rosa, Laguna
💰 Price: ₱3,085,880 (Flexi Suite, 28.52 sqm)
🏢 Status: Preselling & RFO
🔑 Key Feature: “Makati of the South”
Why It Ranks #2:
Park Residences sits in Sta. Rosa – Laguna’s premier business and lifestyle hub. With Nuvali, Paseo de Sta. Rosa, and multiple business parks nearby, this location offers the best balance of accessibility and growth potential.
Highlights:
- Beside SM City Sta. Rosa
- Near Nuvali (Ayala’s township development)
- Surrounded by BPOs, industrial parks, IT zones
- Resort-style amenities
- Both preselling and RFO options
- Strong job market nearby
Best For:
Young professionals working in Laguna, investors seeking rental income, families wanting suburban lifestyle with urban amenities, those relocating from Metro Manila.
Location Access:
- Beside SM City Sta. Rosa
- 5-10 minutes to Nuvali
- 15 minutes to Paseo de Sta. Rosa
- 30-45 minutes to Makati via SLEX
Investment Potential:
Highest rental demand in Laguna. Large tenant pool from BPOs and industrial parks. Estimated rental: ₱14,000-17,000/month.
#3: Turf Residences – Education Hub
📍 Location: Biñan, Laguna
💰 Price: ₱3,159,000 (1BR, 24.41 sqm)
🏢 Status: Preselling
🔑 Key Feature: Opposite Brent School Biñan
Why It Ranks #3:
Strategically located directly opposite Brent International School Biñan, Turf Residences is perfect for families prioritizing education. The area also hosts multiple universities and colleges.
Highlights:
- Opposite Brent International School
- Near University of Perpetual Help, Biñan Doctors Hospital
- Family-oriented amenities (playground, function rooms)
- Growing educational hub
- 5 minutes to SM City Biñan
- Garden-style architecture
Best For:
Families with school-age children, educators and school staff, young professionals studying nearby, investors targeting student/family market.
Location Access:
- Opposite Brent School Biñan
- 5 minutes to SM City Biñan
- 10 minutes to Nuvali
- 40-50 minutes to Makati via SLEX
Investment Potential:
Year-round rental demand from families seeking proximity to quality schools. Estimated rental: ₱13,000-16,000/month.
#4: Hill Residences – Metro Manila Option
📍 Location: Novaliches, Quezon City
💰 Price: ₱3,262,000 (Flexi Suite, 28.52 sqm)
🏢 Status: Preselling & RFO
🔑 Key Feature: Quezon City address
Why It Ranks #4:
Hill Residences is the only Metro Manila option in this list, offering a QC address for those who want to stay within NCR while maintaining affordability.
Highlights:
- Official Quezon City address
- Suburban peace with city convenience
- Near schools, hospitals, commercial areas
- Less congested than central QC
- Complete amenities
- Both preselling and RFO available
Best For:
Those wanting to stay in Metro Manila, North Luzon workers, families seeking QC address for schools, first-time buyers prioritizing NCR location.
Location Access:
- Quezon City proper
- Near Quirino Highway
- Access to major QC areas
- Multiple bus and jeep routes
Investment Potential:
Steady demand from those working in North QC and nearby areas. Estimated rental: ₱13,000-15,000/month.
#5: Zeal Residences – Growth Area
📍 Location: General Trias, Cavite
💰 Price: ₱3,338,000 (1BR, 24.11 sqm)
🏢 Status: Preselling
🔑 Key Feature: Garden-themed development
Why It Ranks #5:
Zeal Residences sits in General Trias – one of Cavite’s fastest-growing municipalities with major commercial and industrial development underway.
Highlights:
- High-growth area with new developments
- Garden-themed architecture
- Near educational institutions
- Growing commercial areas
- Preselling advantages (lower price, flexible payments)
- Future Cavite development corridor
Best For:
Investors seeking capital appreciation, those working in nearby industrial zones, young professionals, first-time buyers on a budget.
Location Access:
- General Trias proper
- Near upcoming commercial developments
- Access via Aguinaldo Highway
- 45-60 minutes to Makati
Investment Potential:
Strong growth trajectory as General Trias develops. Good preselling investment opportunity. Estimated future rental: ₱12,000-15,000/month.
#6: Calm Residences – Wellness Community
📍 Location: Sta. Rosa, Laguna
💰 Price: ₱3,560,000 (1BR, 24.41 sqm)
🏢 Status: Preselling
🔑 Key Feature: Wellness and serenity gardens
Why It Ranks #6:
Calm Residences brings a unique wellness concept to Sta. Rosa, featuring zen gardens, meditation areas, and nature-inspired design for health-conscious buyers.
Highlights:
- Wellness-themed amenities (serenity garden, yoga deck)
- Garden architecture promoting wellbeing
- Premium Sta. Rosa location
- Near Nuvali and lifestyle hubs
- Health-focused community
- Complete modern amenities
Best For:
Health-conscious buyers, those seeking peaceful environment, yoga/meditation enthusiasts, professionals wanting work-life balance, investors targeting wellness-minded tenants.
Location Access:
- Sta. Rosa proper
- Near Nuvali and lifestyle areas
- 10 minutes to SM Sta. Rosa
- Easy SLEX access
Investment Potential:
Growing market for wellness-oriented properties. Appeals to health-conscious professionals. Estimated rental: ₱13,000-16,000/month.
#7: Leaf Residences – Nature Themed
📍 Location: Muntinlupa City
💰 Price: ₱3,570,100 (Studio End Unit)
🏢 Status: Ready for Occupancy
🔑 Key Feature: Rainforest-inspired design
Why It Ranks #7:
Leaf Residences offers the most unique concept in this list – a rainforest-themed development bringing nature to urban living. Despite the highest price, it delivers a distinctive lifestyle proposition.
Highlights:
- Unique rainforest theme with nature-inspired design
- Muntinlupa location (still Metro Manila)
- RFO – immediate move-in
- Nature immersion amenities
- Complete facilities
- Eco-friendly design elements
Best For:
Nature lovers wanting urban convenience, creatives and entrepreneurs, those working in southern Metro Manila, buyers seeking unique property concept, investors targeting niche market.
Location Access:
- Muntinlupa City proper
- Near Alabang area
- South Luzon Expressway access
- 30-40 minutes to Makati/BGC
Investment Potential:
Niche appeal to nature-conscious tenants willing to pay premium for unique concept. Estimated rental: ₱13,000-16,000/month.
How to Choose the Right Property
By Priority
If Budget is Top Priority: → Hope Residences (₱2.529M) – Best value, largest unit
If Location Matters Most: → Park Residences (₱3.086M) – Premier Sta. Rosa location
If You Have School-Age Kids: → Turf Residences (₱3.159M) – Opposite Brent School
If You Want Metro Manila: → Hill Residences (₱3.262M) – Quezon City address
If Capital Appreciation is Priority: → Zeal Residences (₱3.338M) – High-growth area
If Wellness Lifestyle Appeals: → Calm Residences (₱3.560M) – Wellness-themed
If You Want Something Unique: → Leaf Residences (₱3.570M) – Rainforest concept
By Buyer Profile
First-Time Buyers:
Hope (best value), Park (balanced), Turf (family-friendly)
Investors:
Park (highest demand), Zeal (growth potential), Hope (stable returns)
Families:
Turf (schools), Park (lifestyle), Calm (peaceful)
Young Professionals:
Park (job hubs), Hope (affordable), Hill (QC location)
OFWs:
Park (strong rental), Hope (RFO/immediate income), Zeal (growth)
Financing Options Overview
Bank Financing:
- Typically 10-30% downpayment
- 5-25 year terms available
- Interest rates: 6-9% currently
- Monthly income requirement: Usually 3x monthly amortization
Cash Payment:
- Highest discounts (usually 10-25%)
- No interest charges
- Best for those with available funds
Sample Monthly Amortization (₱3M property, 20% down, 10 years, 7% interest):
- Downpayment: ₱600,000
- Loan Amount: ₱2,400,000
- Monthly Payment: ~₱27,800
Use phpropertypro.com for personalized payment calculations.
Important Reminders
Investment Disclaimer:
Real estate investments carry risks. Returns are not guaranteed. Rental yields, property appreciation, and market conditions can vary significantly. Past performance does not indicate future results. Always conduct thorough due diligence and consult with licensed financial advisors, lawyers, and real estate professionals before making investment decisions.
Price Disclaimer:
All prices are gross selling prices and do not include:
- VAT (12% if applicable)
- Documentary Stamp Tax
- Transfer fees
- Registration fees
- Other government charges
Total additional costs typically range from 8-12% of gross selling price.
Due Diligence:
- Visit properties in person
- Verify all information with SMDC
- Check property licenses at dhsud.gov.ph
- Review all contracts thoroughly
- Understand payment terms completely
- Assess your true affordability including all costs
Next Steps
Ready to explore these properties?
- Narrow down to your top 2-3 choices
- Schedule viewings to see units and locations
- Verify pricing and current availability
- Calculate affordability including all costs
- Visit surrounding areas to assess neighborhood
- Consult professionals before final decision
I’m here to help you:
- Schedule property viewings
- Provide updated prices and availability
- Calculate payment options
- Guide you through the process
- Answer your questions honestly
- Connect you with SMDC directly
Conclusion
The South Luzon region offers excellent opportunities for property buyers seeking value under ₱4 million. From Hope Residences’ unbeatable price of ₱2.529M to Leaf’s unique rainforest concept at ₱3.570M, each property brings distinct advantages.
Quick Recap:
- Best Value: Hope Residences (₱2.529M)
- Best Location: Park Residences (₱3.086M)
- Best for Families: Turf Residences (₱3.159M)
- Metro Manila Option: Hill Residences (₱3.262M)
- Growth Investment: Zeal Residences (₱3.338M)
- Wellness Focus: Calm Residences (₱3.560M)
- Unique Concept: Leaf Residences (₱3.570M)
The “best” property depends on your specific needs, budget, and priorities. Take time to research, visit properties, and make informed decisions.
Your ideal home is out there. Let’s find it together.
Ready to Start Your Property Journey?
📞 Call/Text: +63 915 1066367
💬 WhatsApp/Viber: +6 915 1066367
📧 Email: jovie@phpropertypro.com
🌐 Website: phpropertypro.com
Free consultation includes:
- Property viewings
- Updated prices and availability
- Payment calculations
- Buying process guidance
- Honest advice for your situation
Let’s find the property that’s right for YOU. 🏢✨
About the Author
I’m a dedicated SMDC property consultant and BS Real Estate Management student helping Filipinos make informed property decisions. Through phpropertypro.com, I provide honest insights and professional guidance for first-time buyers, investors, OFWs, and families.