✔ 最佳答案
One alternative is REITs. e.g. 808,405,2778... for your consideration.
The interest can be higher than 5% per year and the share price will also climbed up when property price raise.
It is quite a good time to buy in REIT at this time as the people is yet so keen for this kind of product like USA.
However, recommend you to study the information before invest. You can get some information via this link.
http://main.ednews.hk/listedco/listconews/search/search_active_main_c.asp
I hope the above is useful to you.