RPGT: why the holding period matters so much
For a Malaysian citizen selling a private residence, RPGT is 30% in years 1 to 3, 20% in year 4, 15% in year 5, and 0% from year 6 onwards. Individuals also get an automatic exemption of the greater of RM10,000 or 10% of the chargeable gain. Because the bands are set by days held, selling a few weeks before a band boundary can cost far more tax than waiting — the RPGT calculator shows the waiting period and the saving.