Risk Monitor
Supply, Policy, Macro & Developer Risk Dashboard
Risk Radar — 6 Dimensions
1 = Low Risk, 10 = Extreme Risk
Policy Timeline
Developer Health Tracker
| Developer | Net Debt/Equity | Gross Margin | Overhang | Rating |
|---|---|---|---|---|
| Sime Darby Property | 0.32x | 26% | Low | ★★★★ |
| IOI Properties | 0.28x | 31% | Low | ★★★★ |
| SP Setia | 0.61x | 22% | Medium | ★★★ |
| Eco World | 0.45x | 28% | Low | ★★★★ |
| Mah Sing | 0.18x | 24% | Low | ★★★★ |
| UEM Sunrise | 0.78x | 19% | High | ★★ |
*Directional estimates based on public annual reports. Not investment advice.
Interest Rate Sensitivity
Monthly Payment vs OPR (RM500k, 30yr loan)
Key Risk Factors
Interest Rate Sensitivity
OPR +0.25% adds ~RM70/month on RM500k loan. Current 2.75% is supportive, but any reversal would pressure affordability and transaction volume. BNM likely to hold or cut further in 2026.
FX Risk
MYR/USD: 4.20–4.70 (2025–2026 range)
MYR/SGD: ~3.40
SGD 1M ≈ RM3.4M — KL prime condos relatively cheap for Singaporeans. Weak MYR is both a foreign buyer catalyst and an import cost inflator.
Infrastructure Catalysts
JB-SG RTS — Targeting operations end-2026 → JB's biggest demand catalyst
JS-SEZ — 2025 launch → Johor industrial/residential demand
MRT3 Circle Line — KL circle line → specific corridor demand uplift
Penang LRT — Slower progress, timeline uncertain
Industrial Property Divergence
Industrial property value surged 21.3% in 2025, driven by data centers and E&E manufacturing. Capital is rotating out of residential high-rise into industrial and logistics.