Buying a Apartment ‘off the plan’ means buying a property that hasn’t been built yet. When you buy off the plan the price is locked in, no matter what happens in the market. By the time you settle (which could be 24 months later, for example), the value of your property could have increased by $50,000 or even $100,000. But you don’t have to pay a cent more and can take advantage of this capital gain to continue building your property portfolio.