Let's say you have 100M HKD.
Option A - Buy 10x10M properties ($20K rent each) = $200 per month, $2.4M gross a year.
Option B - Put 100M in a 12-month time deposit @ 4% annually = $4M net a year.
Option A has the potential for appreciation but has maintenance costs. For Option B, if the borrowing bank goes bust, you could potentially lose all your money.
Is Option B the more lucrative choice or am I missing something?