Question 1

When this is useful

Accepted Answer

When a dealer pushes a lease with an attractive monthly payment and you want the honest comparison. Leasing almost always looks cheaper month-to-month; the real question is the total cost over the same period, including what you would own at the end if you bought instead.

Question 2

How the comparison works

Accepted Answer

The lease cost is everything you pay — due at signing, monthly payments, and fees. The buy cost is your deposit plus payments over the same period, plus any loan balance still owed, minus the car’s resale value (the asset you keep). Comparing those two totals is the fair fight.

Question 3

Why resale value decides it

Accepted Answer

Buying usually wins over the long run because you own an asset at the end; leasing tends to win if you change cars often and value lower payments and no resale hassle. The resale assumption is the biggest lever in the whole comparison — a car that holds its value tilts the maths strongly toward buying.

Question 4

The hidden lease costs

Accepted Answer

Leases cap your mileage and charge for going over; they bill for wear and tear when you hand the car back; and they often carry acquisition and disposition fees. Build those into the fees field so the comparison reflects what a lease really costs, not just the advertised payment.

Question 5

Common mistakes

Accepted Answer

Comparing a 3-year lease payment to a 6-year loan payment — different terms are not comparable. Ignoring resale value when buying. And forgetting that at a lease’s end you own nothing and start the cycle over again.

租賃定係買 — 邊個更平？

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比較點計

點解轉售價值定勝負

租賃嘅隱藏成本

常見錯誤

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