As much as possible, I want to pay pTax only on rental property.

If you buy a big house for own use, then make sure pTax Rate is low.

If your chosen city for your  family home has a high pTax Rate,  then make sure it is modest size.

Until you have enough capital, just stay rented, and enjoy the flexibility.

Reality — rent level in a given city is raised by pTax.

• If you occupy entire house then you enjoy no “offset”.
• If you rent out a single room (perhaps in the attic) then you get a small offset because part of the rent is effectively pTax.
• if you rent out entire floor you enjoy more offset
• If you use the 43R model, then you could enjoy 110% offset.